Home Insurance in Springfield, Georgia
Homes in Springfield carry a median value of $196,000 - 29% lower than the Effingham County median.
The typical home in Springfield was built around 1988. About 14% of homes were built before 1960, about 9 points above Effingham County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Springfield, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Springfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Springfield are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Springfield are primarily heated with electricity.
What's the biggest home insurance risk near Springfield? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Effingham County and 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.
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 | $196,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)