Home Insurance in Alma, Georgia
The median home value in Alma is $96,400, close to the Bacon County median.
The typical home in Alma was built around 1965. About 39% of homes were built before 1960, about 16 points above Bacon County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Alma is 81% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Alma carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alma has an owner-occupancy rate of 52% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Alma - 96% - are primarily heated with electricity.
Bacon County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Bacon County had 7 active NFIP flood policies as of September 2026. See the full Bacon County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $96,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Bacon County | 7 |
| 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)