Home Insurance in Nunez, Georgia
Homes in Nunez carry a median value of $84,300 - 11% lower than the Emanuel County median.
The typical home in Nunez was built around 1978. About 22% of homes were built before 1960, about 7 points above Emanuel County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Nunez is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 11% of owner-occupied homes in Nunez have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Nunez are owner-occupied.
Most homes in Nunez - 82% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Emanuel County's overall risk as Very Low, led by hurricane (Relatively Moderate). Emanuel County had 21 active NFIP flood policies as of September 2026. See the full Emanuel County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $84,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Emanuel County | 21 |
| 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)