Home Insurance in Hampton, Georgia
With a median home value of $283,700, Hampton is 10% lower than the Henry County median.
The typical home in Hampton was built around 2005. About 10% of homes were built before 1960, about 8 points above Henry County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hampton is 87% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
88% of owner-occupied homes in Hampton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hampton are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Hampton are primarily heated with natural gas.
Henry County had 350 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Henry 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 | $283,700 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 88% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Henry County | 350 |
| 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)