Home Insurance in Barwick, Georgia
The median home value in Barwick is $52,500, 62% lower than the Brooks County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barwick was built around 1985. About 16% of homes were built before 1960, in line with Brooks County (16%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Barwick is 49% single-family homes, 2% apartments in buildings with 5+ units and 49% mobile or manufactured homes.
31% of owner-occupied homes in Barwick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Barwick are owner-occupied.
In Barwick, 90% of homes are primarily heated with electricity.
Brooks County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Brooks 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 | $52,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Brooks County | 18 |
| 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)