HomeInsuranceQts

Home Insurance in Pulaski, Georgia

The typical home in Pulaski was built around 1999. About 36% of homes were built before 1960, about 19 points above Candler County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Pulaski is 66% single-family homes and 13% 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.

27% of owner-occupied homes in Pulaski carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Pulaski are owner-occupied.

In Pulaski, 97% of homes are primarily heated with electricity.

Candler County had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Candler County home insurance overview for all FEMA hazard ratings and flood coverage details.

The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median year built1999
Owner-occupied share89%
Share of owner-occupied homes with a mortgage27%
Top county hazardHurricane (Relatively Low)
Active NFIP policies in Candler County17
Home insurance premium$1,828 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pulaski, GA

Nearby towns

Sources

Data last updated: 2026-09-29