Home Insurance in Atkinson County, Georgia
With a median home value of $79,000, Atkinson County is 74% lower than the Georgia median.
The typical home in Atkinson County was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, in line with Georgia (12%).
In Atkinson County, the housing stock is 41% single-family homes, 2% apartments in buildings with 5+ units and 51% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Atkinson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Atkinson County has an owner-occupancy rate of 62% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
96% of homes in Atkinson County are primarily heated with electricity.
The top hazards for Atkinson County, per FEMA's National Risk Index, are hurricane (Relatively Low), wildfire (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Atkinson County has 11 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $79,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 11 |
| 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)