Home Insurance in Wilsonville, Alabama
The median home value in Wilsonville is $235,400, 28% lower than the Shelby County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wilsonville was built around 1991. About 14% of homes were built before 1960, about 10 points above Shelby County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilsonville is 67% single-family homes and 29% mobile or manufactured homes.
About 48% of owner-occupied homes in Wilsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Wilsonville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wilsonville - 78% - 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.
What's the biggest home insurance risk near Wilsonville? 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 | $235,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)