Home Insurance in Graham, Georgia
Homes in Graham carry a median value of $52,900 - 31% lower than the Appling County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Graham was built around 1982. About 12% of homes were built before 1960, in line with Appling County (13%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Graham is 53% single-family homes and 47% mobile or manufactured homes.
In Graham, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Graham has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Graham - 83% - are primarily heated with electricity.
Appling County had 113 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Appling County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $52,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Appling County | 113 |
| Home insurance premium | $1,828 - 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)