Home Insurance in Homerville, Georgia
The median home value in Homerville is $94,200, 12% higher than the Clinch County median.
The typical home in Homerville was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 17 points above Clinch County's 24%.
In Homerville, the housing stock is 68% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Homerville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 54% of occupied homes in Homerville are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Homerville - 87% - are primarily heated with electricity.
What's the biggest home insurance risk near Homerville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Clinch County and Clinch County had 53 active NFIP flood policies as of September 2026. See the full Clinch 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 | $94,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Clinch County | 53 |
| 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)