Home Insurance in Quitman, Georgia
With a median home value of $110,700, Quitman is 20% lower than the Brooks County median.
The typical home in Quitman was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 13 points above Brooks County's 16%.
The housing stock in Quitman is 70% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. 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 Quitman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Quitman has an owner-occupancy rate of 50% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Quitman, 73% of homes are primarily heated with electricity.
FEMA rates Brooks County's overall risk as Very Low, led by hurricane (Relatively Moderate). 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.
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 | $110,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 50% |
| 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)