Home Insurance in Bellville, Georgia
The median home value in Bellville is $161,600, 17% higher than the Evans County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellville was built around 1956. About 56% of homes were built before 1960, about 38 points above Evans County's 18%.
In Bellville, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 30% of owner-occupied homes in Bellville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bellville has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
94% of homes in Bellville are primarily heated with electricity.
FEMA rates Evans County's overall risk as Very Low, led by hurricane (Relatively Moderate). Evans County had 11 active NFIP flood policies as of September 2026. See the full Evans 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 | $161,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Evans County | 11 |
| 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)