Home Insurance in Centerville, Georgia
The median home value in Centerville is $194,900, 11% lower than the Houston County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Centerville was built around 2001. About 3% of homes were built before 1960, about 5 points below Houston County's 8%.
In Centerville, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Centerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Centerville has an owner-occupancy rate of 70% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Centerville, 88% of homes are primarily heated with electricity.
Houston County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Houston County had 412 active NFIP flood policies as of September 2026. See the full Houston 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 | $194,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Houston County | 412 |
| 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)