Home Insurance in Enigma, Georgia
The median home value in Enigma is $91,300, 31% lower than the Berrien County median.
The typical home in Enigma was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, in line with Berrien County (17%).
The housing stock in Enigma is 31% single-family homes and 66% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
11% of owner-occupied homes in Enigma carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Enigma has an owner-occupancy rate of 52% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
98% of homes in Enigma are primarily heated with electricity.
Berrien County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Berrien County had 33 active NFIP flood policies as of September 2026. See the full Berrien 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 | $91,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Berrien County | 33 |
| 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)