Home Insurance in Milner, Georgia
The median home value in Milner is $240,900, 11% higher than the Lamar County median.
The typical home in Milner was built around 2010. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 1 point above Lamar County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milner is 89% single-family homes and 6% mobile or manufactured homes.
In Milner, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Milner are owner-occupied.
In Milner, 78% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lamar County's overall risk as Very Low, led by hurricane (Relatively Low). Lamar County had 12 active NFIP flood policies as of September 2026. See the full Lamar 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 | $240,900 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lamar County | 12 |
| 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)