Home Insurance in Metter, Georgia
Homes in Metter carry a median value of $156,300 - close to the Candler County median.
The typical home in Metter was built around 1981. 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 9 points above Candler County's 18%.
In Metter, the housing stock is 66% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Metter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Metter has an owner-occupancy rate of 48% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Metter - 88% - 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.
What's the biggest home insurance risk near Metter? FEMA's National Risk Index points to hurricane (Relatively Low) in Candler County and Candler County had 17 active NFIP flood policies as of September 2026. See the full Candler 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 | $156,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Candler County | 17 |
| 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)