Home Insurance in Brinson, Georgia
With a median home value of $127,100, Brinson is 20% lower 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 Brinson was built around 1983. About 33% of homes were built before 1960, about 14 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 Brinson is 69% single-family homes and 31% mobile or manufactured homes.
In Brinson, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brinson has an owner-occupancy rate of 94% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
93% of homes in Brinson are primarily heated with electricity.
Decatur County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Decatur County had 207 active NFIP flood policies as of September 2026. See the full Decatur County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $127,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)