Home Insurance in Pembroke, Georgia
The median home value in Pembroke is $200,800, 41% lower than the Bryan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pembroke was built around 1986. About 15% of homes were built before 1960, about 11 points above Bryan County's 4%.
The housing stock in Pembroke is 64% single-family homes, 15% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pembroke, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Pembroke are owner-occupied.
89% of homes in Pembroke are primarily heated with electricity.
FEMA rates Bryan County's overall risk as Relatively Low, led by hurricane (Relatively High). Bryan County had 3,261 active NFIP flood policies as of September 2026. See the full Bryan 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 | $200,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Bryan County | 3,261 |
| 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)