Home Insurance in Portal, Georgia
The median home value in Portal is $85,000, 62% lower than the Bulloch County median.
The typical home in Portal was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 16 points above Bulloch County's 10%.
In Portal, the housing stock is 71% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Portal, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Portal has an owner-occupancy rate of 62% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Portal, 94% of homes are primarily heated with electricity.
Bulloch County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Bulloch County had 451 active NFIP flood policies as of September 2026. See the full Bulloch 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 | $85,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Bulloch County | 451 |
| 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)