Home Insurance in Richmond Hill, Georgia
Homes in Richmond Hill carry a median value of $313,400 - 9% lower than the Bryan County median.
The typical home in Richmond Hill was built around 2007. About 4% of homes were built before 1960, in line with Bryan County (4%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Richmond Hill, the housing stock is 79% single-family homes and 18% apartments in buildings with 5+ units.
83% of owner-occupied homes in Richmond Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Richmond Hill are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Richmond Hill - 88% - 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.
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 | $313,400 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)