Home Insurance in Glynn County, Georgia
With a median home value of $301,300, Glynn County is close to the Georgia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Glynn County was built around 1988. About 16% of homes were built before 1960, about 5 points above Georgia's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Glynn County is 68% single-family homes, 14% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 57% of owner-occupied homes in Glynn County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Glynn County has an owner-occupancy rate of 67% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Glynn County - 86% - are primarily heated with electricity.
The top hazards for Glynn County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Moderate) and coastal flooding (Relatively High).
Glynn County had 13,422 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $301,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Coastal Flooding (Relatively High) |
| Active NFIP flood policies (county) | 13,422 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)