Home Insurance in Gu-Win, Alabama
Homes in Gu-Win carry a median value of $177,800 - 67% higher than the Marion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gu-Win was built around 1979. About 24% of homes were built before 1960, about 7 points above Marion County's 17%.
In Gu-Win, the housing stock is 88% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Gu-Win carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gu-Win has an owner-occupancy rate of 93% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Gu-Win, 60% of homes are primarily heated with electricity.
FEMA rates Marion County's overall risk as Relatively Low, led by tornado (Relatively High). Marion County had 28 active NFIP flood policies as of September 2026. See the full Marion 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 | $177,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Marion County | 28 |
| 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)