Home Insurance in Midville, Georgia
The median home value in Midville is $56,800, 63% lower than the Burke County median.
The typical home in Midville was built around 1962. About 47% of homes were built before 1960, about 26 points above Burke County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Midville, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Midville, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Midville are owner-occupied.
Most homes in Midville - 80% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Burke County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Burke County had 16 active NFIP flood policies as of September 2026. See the full Burke 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 | $56,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Burke County | 16 |
| 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)