Home Insurance in Pendergrass, Georgia
With a median home value of $329,700, Pendergrass is close to the Jackson County median.
The typical home in Pendergrass was built around 2015. About 6% of homes were built before 1960, in line with Jackson County (6%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Pendergrass breaks down to 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Pendergrass, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Pendergrass are owner-occupied.
Most homes in Pendergrass - 75% - are primarily heated with electricity.
What's the biggest home insurance risk near Pendergrass? FEMA's National Risk Index points to tornado (Relatively Moderate) in Jackson County and Jackson County had 43 active NFIP flood policies as of September 2026. See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $329,700 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Jackson County | 43 |
| 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)