Home Insurance in Guin, Alabama
With a median home value of $112,000, Guin is 5% higher than the Marion County median.
The typical home in Guin was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, in line with Marion County (17%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Guin is 74% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Guin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Guin are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Guin, 65% of homes are primarily heated with electricity.
Marion County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $112,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)