Home Insurance in Stillmore, Georgia
With a median home value of $39,400, Stillmore is 58% lower than the Emanuel County median.
The typical home in Stillmore was built around 1984. About 19% of homes were built before 1960, about 4 points above Emanuel County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Stillmore is 51% single-family homes and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Stillmore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stillmore has an owner-occupancy rate of 69% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Stillmore - 87% - 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.
What's the biggest home insurance risk near Stillmore? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Emanuel County and 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 | $39,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)