Home Insurance in Perry, Georgia
With a median home value of $225,300, Perry is close to the Houston County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Perry was built around 2003. About 10% of homes were built before 1960, about 2 points above Houston County's 8%.
The housing stock in Perry is 76% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Perry, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Perry has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
85% of homes in Perry are primarily heated with electricity.
What's the biggest home insurance risk near Perry? FEMA's National Risk Index points to hurricane (Relatively Low) in Houston County and 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 | $225,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)