Home Insurance in Morven, Georgia
The median home value in Morven is $185,900, 34% higher than the Brooks County median.
The typical home in Morven was built around 1979. About 26% of homes were built before 1960, about 10 points above Brooks County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Morven is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Morven have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Morven are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Morven - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near Morven? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Brooks County and Brooks County had 18 active NFIP flood policies as of September 2026. See the full Brooks 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 | $185,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)