Home Insurance in Brunswick, Georgia
Homes in Brunswick carry a median value of $155,900 - 48% lower than the Glynn County median.
The typical home in Brunswick was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 34 points above Glynn County's 16%.
In Brunswick, the housing stock is 70% single-family homes, 17% 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.
46% of owner-occupied homes in Brunswick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brunswick has an owner-occupancy rate of 43% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
79% of homes in Brunswick are primarily heated with electricity.
What's the biggest home insurance risk near Brunswick? FEMA's National Risk Index points to hurricane (Relatively High) in Glynn County and Glynn County had 13,422 active NFIP flood policies as of September 2026. See the full Glynn 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 | $155,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Glynn County | 13,422 |
| 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)