Home Insurance in Hagan, Georgia
With a median home value of $138,900, Hagan is close to 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 Hagan was built around 1991. About 9% of homes were built before 1960, about 9 points below Evans County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hagan is 58% single-family homes and 28% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Hagan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hagan has an owner-occupancy rate of 44% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Hagan - 94% - 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.
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 | $138,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)