Home Insurance in Pooler, Georgia
With a median home value of $322,400, Pooler is 7% higher than the Chatham County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pooler was built around 2007. About 3% of homes were built before 1960, about 20 points below Chatham County's 23%.
The housing stock in Pooler is 67% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pooler, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Pooler are owner-occupied.
Most homes in Pooler - 88% - are primarily heated with electricity.
Chatham County had 23,014 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Chatham County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $322,400 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)