Home Insurance in Statesboro, Georgia
The median home value in Statesboro is $197,900, 11% lower than the Bulloch County median.
The typical home in Statesboro was built around 1989. About 14% of homes were built before 1960, about 4 points above Bulloch County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Statesboro breaks down to 40% single-family homes, 34% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Statesboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Statesboro has an owner-occupancy rate of 22% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Statesboro, 89% 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.
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 | $197,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 22% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)