Home Insurance in Hamilton, Georgia
The median home value in Hamilton is $289,300, close to the Harris County median.
The typical home in Hamilton was built around 2010. About 7% of homes were built before 1960, about 3 points below Harris County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hamilton breaks down to 83% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 86% of owner-occupied homes in Hamilton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Hamilton are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hamilton, 95% of homes are primarily heated with electricity.
Harris County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Harris County had 75 active NFIP flood policies as of September 2026. See the full Harris 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 | $289,300 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 86% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Harris County | 75 |
| 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)