Home Insurance in Winterville, Georgia
Homes in Winterville carry a median value of $297,000 - close to the Clarke County median.
The typical home in Winterville was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 5 points above Clarke County's 14%.
In Winterville, the housing stock is 96% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Winterville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winterville has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Winterville, 54% of homes are primarily heated with electricity.
Clarke County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Clarke County had 197 active NFIP flood policies as of September 2026. See the full Clarke County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $297,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clarke County | 197 |
| 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)