Home Insurance in Bloomingdale, Georgia
The median home value in Bloomingdale is $236,000, 22% lower than the Chatham County median.
The typical home in Bloomingdale was built around 1986. About 21% of homes were built before 1960, about 3 points below Chatham County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bloomingdale, the housing stock is 75% single-family homes, 7% apartments in buildings with 5+ units and 6% 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.
57% of owner-occupied homes in Bloomingdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Bloomingdale are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Bloomingdale are primarily heated with electricity.
Chatham County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Chatham County had 23,014 active NFIP flood policies as of September 2026. See the full Chatham 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 | $236,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Chatham County | 23,014 |
| 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)