Home Insurance in Bowman, Georgia
Homes in Bowman carry a median value of $99,000 - 30% lower than the Elbert County median.
The typical home in Bowman was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, in line with Elbert County (24%).
The housing stock in Bowman is 55% single-family homes, 22% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Bowman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bowman has an owner-occupancy rate of 66% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Bowman, 49% of homes are primarily heated with electricity.
Elbert County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Elbert County had 7 active NFIP flood policies as of September 2026. See the full Elbert 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 | $99,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Elbert 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)