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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to Gadsden, Alabama – a town that is hidden away in the foothills of the Appalachian Mountains. Gadsden, is a captivating city with a rich history, diverse attractions, and a thriving community. Known as the “City of Champions,” Gadsden offers a unique blend of natural beauty, cultural experiences, and a strong sense of Southern hospitality.
Gadsden’s history dates back to the early 19th century when it was founded as a trading post and later developed into a major industrial center. The city’s strategic location along the Coosa River and its proximity to natural resources allowed it to become a bustling hub of commerce and manufacturing. Today, Gadsden still retains traces of its industrial past, with remnants of historic mills and factories that have been repurposed into vibrant cultural and entertainment spaces.
One of the significant attractions in Gadsden is the Imagination Place Children’s Museum, a hands-on museum that offers interactive exhibits and educational experiences for children of all ages. The museum aims to foster creativity, curiosity, and learning through play, making it a favorite destination for families and school groups.
Gadsden is also home to the stunning Noccalula Falls Park and Campground, where visitors can marvel at the breathtaking 90-foot waterfall and explore the scenic trails that meander through the lush surroundings. The park also offers picnic areas, playgrounds, and a miniature train ride, making it an ideal spot for outdoor recreation and family outings.
For arts and culture enthusiasts, Gadsden boasts the Gadsden Museum of Art, which exhibits a diverse collection of contemporary and traditional artwork. The museum hosts rotating exhibits, workshops, and art classes, promoting the appreciation and understanding of visual arts in the community.
Gadsden is also known for its vibrant music scene, with live performances happening at the historic Alabama Theatre and Downtown Civic Center. The city embraces a range of musical genres, from bluegrass and country to rock and gospel, making it a haven for music lovers of all tastes.
Obscure facts about Gadsden add to its allure. Did you know that Gadsden was once home to the first automated traffic signal in the Southeast? The innovative signal was installed in 1927 at the intersection of Broad and First Streets, marking a significant milestone in traffic control technology in the region.
Gadsden is not only a city to visit but also a great place to live. The city offers a close-knit community, affordable cost of living, and a range of amenities. Gadsden boasts excellent schools, plentiful shopping options, and a variety of recreational opportunities, making it an attractive choice for individuals and families alike.
In terms of outdoor activities, Gadsden provides an abundance of opportunities to enjoy the great outdoors. From fishing on the Coosa River to hiking the trails at Noccalula Falls Park and exploring the scenic beauty of nearby Neely Henry Lake, outdoor enthusiasts will find plenty to keep them active and engaged.
Gadsden’s downtown area is a hub of activity, with a variety of charming shops, boutiques, and eateries. The city embraces its local businesses and hosts events like First Friday, where vendors, restaurants, and musicians come together to create a lively and vibrant atmosphere for residents and visitors.
In conclusion, Gadsden, Alabama, is a city that combines its rich history, natural beauty, and vibrant community to create a memorable and enjoyable experience for all. Whether exploring its museums, marveling at its waterfalls, immersing oneself in its music scene, or simply soaking in the warmth of its Southern hospitality, Gadsden offers a diverse range of attractions and experiences. With its strong sense of community, picturesque surroundings, and numerous amenities, Gadsden provides a welcoming and fulfilling place to call home.
Manufactured homes account for about 16% of Alabama’s housing market, almost double the national average.
Michigan law defines an “eligible person” for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners’ policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Insurance quotes are adjustable to fit different budgets, ensuring affordability for homeowners.
Homeowners insurance isn’t required by Alabama state law, but your mortgage lender will likely require you to have it.
Insurance for manufactured homes in Alabama is essential and similar to traditional site-built homes, encompassing structure, liability, and personal property coverage. Despite common misconceptions, manufactured homes don’t inherently carry additional insurance risks.
However, insurance rates can vary significantly by state, often influenced by local weather patterns and natural disaster risks. In Alabama, homeowners insurance costs are above the national average, with state-specific regulations impacting policies. The Alabama Manufactured Housing Association (AMHA) has been advocating for the industry since 1968, ensuring quality and affordable housing options are available, underscoring the importance of proper insurance for homeownership.
Here are 10 unique considerations for owners of manufactured, mobile, modular, or RV homes in Alabama:
Weather and Environmental Risks:
How to secure your mobile home against tornadoes.
Steps to create an emergency plan.
Importance of tornado insurance coverage.
Secure your home with the right anchoring system.
Understand local codes for storm anchoring.
Regularly inspect and maintain your anchoring system.
Choose the best lakeside spots for RV camping.
Be aware of specific rules and permits required.
Protect your RV from humidity and water damage
Know what your policy covers in a mobile home park.
Consider community-specific risks and adjust coverage.
Engage with park management on safety and security measures.
Map out your route considering Alabama's diverse landscapes.
Schedule stops at must-see attractions.
Stay informed about weather and road conditions.
Implement preventive measures to keep pests out.
Regularly inspect for signs of infestations.
Consider pest coverage in your insurance policy.
Mobile and Manufactured Home Insurance Statistics in Alabama:
Based on the 2017 American Community Survey by the U.S. Census Bureau, Alabama has 305,749 mobile homes, making up 13.5% of the state’s total housing. Walker County has the highest percentage of mobile homes at 31.5%.
The presence of mobile homes varies by county, with the lowest being Jefferson County at 2.7% and others like Cullman County and St. Clair County had significantly higher percentages at 27.4% and 28.0% respectively. These figures highlight the importance of mobile homes in Alabama’s housing landscape.
In Alabama, the ten counties with the highest percentage of mobile homes, as per the 2017 American Community Survey, are as follows:
You’ve got 30 days to register it—don’t miss this, or you might get hit with a $10 penalty and a $15 citation fee. Ouch! And if you end up in court without your manufactured home decal, fines could soar up to $500 or even land you a short stay in the county jail.
Here’s the deal on where to register:
Register with the Tax Assessor’s Office if your name’s on both the home and the land titles. Bought them as a package? You’re in luck—no sales tax! Living there yourself? Claim your homestead. Have family staying over? It’s a bit more in taxes, but still a sweet deal. Any confusion? Just call the Tax Assessor at 256-532-3350 for a chat.
Head over to the License Department if you own the home but not the land, or if you’re renting it out. Remember, you’ve got to cover the sales tax and title fee if it’s a 1990 model or newer from out-of-state. Mark your calendar! Registration ends on September 30 each year, and renewal time is from October 1 to November 30.
Don’t forget the Bill of Sale. Alabama dealers take care of sales tax, but out-of-state purchases need sales tax paid at the License Department. And don’t try the old “$1 Bill of Sale” trick—it won’t fly here!
If your manufactured home is a 1992 model or newer, you need a title. Alabama dealers will sort this out for you, but if you’re buying from an individual, you’ll need to sign off on the title with the License Department.
Before you hit the road, grab a move permit for $10. It’s good for 14 days per module, and make sure your taxes or registration fees are all clear. Without it, you’re looking at a class C misdemeanor and at least a $50 fine.
Check with local inspection departments for any setup fees in the area where you’re laying down roots.
You can make it officially part of your property. Just match up the names on the home and land titles, and send in an application with all the right paperwork to the Department of Revenue. If you ever decide to move your home, you’ll need to get a new title. And if your home is a vintage model over 20 years old, no title needed! Just so you know, this doesn’t necessarily mean your home is considered real estate in all legal situations, but it does for tax purposes.
