Home Insurance in Funston, Georgia
Homes in Funston carry a median value of $101,300 - 17% lower than the Colquitt County median.
The typical home in Funston was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 4 points below Colquitt County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Funston is 72% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
40% of owner-occupied homes in Funston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Funston are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Funston, 89% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Funston? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Colquitt County and Colquitt County had 78 active NFIP flood policies as of September 2026. See the full Colquitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $101,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Colquitt County | 78 |
| 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)