Home Insurance in Bainbridge, Georgia
Homes in Bainbridge carry a median value of $174,700 - 10% higher than the Decatur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bainbridge was built around 1983. About 25% of homes were built before 1960, about 6 points above Decatur County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bainbridge is 72% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 43% of owner-occupied homes in Bainbridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Bainbridge are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bainbridge - 89% - are primarily heated with electricity.
Decatur County had 207 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Decatur 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 | $174,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Decatur County | 207 |
| 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)