Home Insurance in Winder, Georgia
The median home value in Winder is $288,500, close to the Barrow County median.
The typical home in Winder was built around 1998. About 11% of homes were built before 1960, about 4 points above Barrow County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Winder, the housing stock is 80% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 72% of owner-occupied homes in Winder have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winder has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Winder - 65% - are primarily heated with electricity.
FEMA rates Barrow County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Barrow County had 41 active NFIP flood policies as of September 2026. See the full Barrow 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 | $288,500 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Barrow County | 41 |
| 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)