Home Insurance in Folkston, Georgia
Homes in Folkston carry a median value of $78,100 - 45% lower than the Charlton County median.
The typical home in Folkston was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 12 points above Charlton County's 15%.
In Folkston, the housing stock is 51% single-family homes, 2% apartments in buildings with 5+ units and 30% 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.
49% of owner-occupied homes in Folkston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Folkston are owner-occupied.
In Folkston, 82% of homes are primarily heated with electricity.
Charlton County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Charlton County had 29 active NFIP flood policies as of September 2026. See the full Charlton 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 home value | $78,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Charlton County | 29 |
| 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)