Home Insurance in Pine Mountain, Georgia
Homes in Pine Mountain carry a median value of $363,500 - 20% higher than the Harris County median.
The typical home in Pine Mountain was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 5 points above Harris County's 10%.
In Pine Mountain, the housing stock is 70% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Pine Mountain have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pine Mountain has an owner-occupancy rate of 61% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Pine Mountain - 93% - are primarily heated with electricity.
FEMA rates Harris County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $363,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)