Home Insurance in Bryan County, Georgia
The median home value in Bryan County is $343,200, 13% higher than the Georgia median.
The typical home in Bryan County was built around 2005. About 4% of homes were built before 1960, about 8 points below Georgia's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bryan County is 80% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
76% of owner-occupied homes in Bryan County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Bryan County are owner-occupied.
Most homes in Bryan County - 91% - are primarily heated with electricity.
The top hazards for Bryan County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Low) and coastal flooding (Relatively Moderate).
Bryan County had 3,261 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $343,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,261 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)