Home Insurance in Warner Robins, Georgia
The median home value in Warner Robins is $185,700, 16% lower than the Houston County median.
The typical home in Warner Robins was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 2 points above Houston County's 8%.
Housing in Warner Robins breaks down to 70% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
66% of owner-occupied homes in Warner Robins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Warner Robins are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Warner Robins, 85% of homes are primarily heated with electricity.
Houston County had 412 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Houston 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 | $185,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)