Home Insurance in Appling County, Georgia
With a median home value of $76,700, Appling County is 75% lower than the Georgia median.
The typical home in Appling County was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 1 point above Georgia's 12%.
In Appling County, the housing stock is 55% single-family homes, 2% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Appling County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Appling County are owner-occupied.
Most homes in Appling County - 91% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), earthquake (Very Low) and wildfire (Very Low) as the leading hazards for Appling County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Appling County has 113 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $76,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 113 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)