Home Insurance in Summerville, Georgia
The median home value in Summerville is $99,000, 14% lower than the Chattooga County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Summerville was built around 1973. About 36% of homes were built before 1960, about 8 points above Chattooga County's 28%.
The housing stock in Summerville is 61% single-family homes, 9% apartments in buildings with 5+ units and 11% 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.
24% of owner-occupied homes in Summerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Summerville are owner-occupied.
Most homes in Summerville - 59% - are primarily heated with electricity.
Chattooga County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Chattooga 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 | $99,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Chattooga County | 27 |
| 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)