Home Insurance in Calera, Alabama
The median home value in Calera is $235,300, 28% lower than the Shelby County median.
The typical home in Calera was built around 2006. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 2 points above Shelby County's 4%.
The housing stock in Calera is 91% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Calera, about 85% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Calera has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Calera, 81% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Calera? FEMA's National Risk Index points to tornado (Relatively High) in Shelby County and Shelby County had 579 active NFIP flood policies as of September 2026. See the full Shelby 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 | $235,300 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Shelby County | 579 |
| 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)