Home Insurance in Hartselle, Alabama
With a median home value of $203,800, Hartselle is close to the Morgan County median.
The typical home in Hartselle was built around 1981. About 10% of homes were built before 1960, about 4 points below Morgan County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hartselle, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
66% of owner-occupied homes in Hartselle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Hartselle are owner-occupied.
75% of homes in Hartselle are primarily heated with electricity.
FEMA rates Morgan County's overall risk as Relatively Moderate, led by tornado (Relatively High). Morgan County had 495 active NFIP flood policies as of September 2026. See the full Morgan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $203,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Morgan County | 495 |
| 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)