Home Insurance in Eastman, Georgia
Homes in Eastman carry a median value of $129,800 - 10% higher than the Dodge County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eastman was built around 1971. About 28% of homes were built before 1960, about 8 points above Dodge County's 20%.
In Eastman, the housing stock is 71% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Eastman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eastman has an owner-occupancy rate of 54% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Eastman - 63% - are primarily heated with electricity.
FEMA rates Dodge County's overall risk as Relatively Low, led by hurricane (Relatively Low). Dodge County had 7 active NFIP flood policies as of September 2026. See the full Dodge 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 | $129,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Dodge County | 7 |
| 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)