Home Insurance in Locust Grove, Georgia
The median home value in Locust Grove is $307,300, close to the Henry County median.
The typical home in Locust Grove was built around 2005. About 3% of homes were built before 1960, in line with Henry County (3%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Locust Grove is 93% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
78% of owner-occupied homes in Locust Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Locust Grove are owner-occupied.
76% of homes in Locust Grove are primarily heated with electricity.
What's the biggest home insurance risk near Locust Grove? FEMA's National Risk Index points to tornado (Relatively Moderate) in Henry County and Henry County had 350 active NFIP flood policies as of September 2026. 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 | $307,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)