Birmingham has 198,173 residents in 88,788 households. We list 6 agencies for mobile home insurance in Birmingham. Here is what the local numbers say about the cover people here need.

Birmingham at a glance

6mobile home insurance agencies listed
54.5%of households rentRenters insurance
$158,800median home valueHome insurance
1965median year homes were builtRebuild cost calculator
12%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Jefferson County

FEMA rates the overall natural hazard risk in Jefferson County, where most Birmingham agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Birmingham
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Birmingham
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Birmingham
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Birmingham How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Where Birmingham agencies are

Birmingham agencies we list sit in 6 ZIP codes, mostly in Jefferson County.

352031 agency
352091 agency
352221 agency
352231 agency
352421 agency
352431 agency

Questions

Mobile Home insurance in Birmingham

All insurance agencies in Birmingham · Mobile Home insurance across Alabama

Where can I find mobile home insurance in Birmingham?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does mobile home insurance cover?

Written for manufactured and mobile homes, which standard home policies exclude.

Do I need flood insurance in Birmingham?

FEMA's National Risk Index rates inland flooding risk in Jefferson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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