Home Insurance in Carnesville, Georgia
With a median home value of $200,000, Carnesville is 12% higher than the Franklin County median.
The typical home in Carnesville was built around 1974. About 32% of homes were built before 1960, about 18 points above Franklin County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Carnesville, the housing stock is 86% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Carnesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carnesville has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Carnesville, 76% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Carnesville? FEMA's National Risk Index points to hurricane (Relatively Low) in Franklin County and Franklin County had 5 active NFIP flood policies as of September 2026. See the full Franklin 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 | $200,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Franklin County | 5 |
| 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)