Home Insurance in Rincon, Georgia
The median home value in Rincon is $251,600, 9% lower than the Effingham County median.
The typical home in Rincon was built around 2002. About 3% of homes were built before 1960, about 2 points below Effingham County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rincon is 67% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 82% of owner-occupied homes in Rincon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Rincon are owner-occupied.
Most homes in Rincon - 89% - are primarily heated with electricity.
Effingham County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Effingham County had 717 active NFIP flood policies as of September 2026. See the full Effingham 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 | $251,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Effingham County | 717 |
| 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)