Home Insurance in Ephesus, Georgia
With a median home value of $150,600, Ephesus is 19% lower than the Heard County median.
The typical home in Ephesus was built around 1981. About 18% of homes were built before 1960, in line with Heard County (18%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ephesus is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ephesus, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ephesus has an owner-occupancy rate of 70% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ephesus, 62% of homes are primarily heated with electricity.
Heard County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Heard County had 2 active NFIP flood policies as of September 2026. See the full Heard County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $150,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Heard County | 2 |
| 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)