Home Insurance in Hoboken, Georgia
With a median home value of $135,200, Hoboken is 36% higher than the Brantley County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hoboken was built around 1978. About 11% of homes were built before 1960, about 3 points above Brantley County's 8%.
The housing stock in Hoboken is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hoboken, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hoboken has an owner-occupancy rate of 86% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hoboken - 97% - are primarily heated with electricity.
Brantley County had 75 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Brantley 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 | $135,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Brantley County | 75 |
| 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)