Home Insurance in Pearson, Georgia
Homes in Pearson carry a median value of $65,800 - 17% lower than the Atkinson County median.
The typical home in Pearson was built around 1984. About 20% of homes were built before 1960, about 8 points above Atkinson County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pearson is 42% single-family homes, 2% apartments in buildings with 5+ units and 46% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Pearson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pearson has an owner-occupancy rate of 46% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Pearson, 99% of homes are primarily heated with electricity.
Atkinson County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Atkinson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $65,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Atkinson County | 11 |
| 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)