Home Insurance in Gurley, Alabama
The median home value in Gurley is $194,800, 35% lower than the Madison County median.
The typical home in Gurley was built around 1971. About 27% of homes were built before 1960, about 18 points above Madison County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gurley, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gurley, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Gurley are owner-occupied.
Most homes in Gurley - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Madison County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Madison County had 3,354 active NFIP flood policies as of September 2026. See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $194,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Madison County | 3,354 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)