Home Insurance in Summertown, Georgia
With a median home value of $80,000, Summertown is 16% lower than the Emanuel County median.
The typical home in Summertown was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 6 points above Emanuel County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Summertown is 66% single-family homes and 34% mobile or manufactured homes.
In Summertown, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Summertown are owner-occupied.
66% of homes in Summertown 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.
Emanuel County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $80,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)