Home Insurance in Homeland, Georgia
With a median home value of $73,100, Homeland is 49% lower than the Charlton County median.
The typical home in Homeland was built around 1994. About 11% of homes were built before 1960, about 3 points below Charlton County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Homeland is 37% single-family homes and 62% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Homeland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Homeland are owner-occupied.
Most homes in Homeland - 89% - are primarily heated with electricity.
FEMA rates Charlton County's overall risk as Very Low, led by hurricane (Relatively Moderate). 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 | $73,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)