Home Insurance in Clinch County, Georgia
With a median home value of $84,400, Clinch County is 72% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clinch County was built around 1980. About 24% of homes were built before 1960, about 13 points above Georgia's 12%.
The housing stock in Clinch County is 63% single-family homes, 4% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Clinch County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clinch County has an owner-occupancy rate of 71% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Clinch County - 93% - are primarily heated with electricity.
The top hazards for Clinch County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Clinch County has 53 active NFIP flood policies on file.
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 | $84,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Argyle
- Median home value: $68,100
- Median year built: 1984
- Owner-occupied share: 72%
-
Fargo
- Median home value: $82,700
- Median year built: 1975
- Owner-occupied share: 78%
Sources
- 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)