Home Insurance in Allenhurst, Georgia
Homes in Allenhurst carry a median value of $189,800 - 6% lower than the Liberty County median.
The typical home in Allenhurst was built around 1993. About 0% of homes were built before 1960, about 4 points below Liberty County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Allenhurst is 61% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Allenhurst have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Allenhurst are owner-occupied.
Most homes in Allenhurst - 92% - are primarily heated with electricity.
Liberty County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Liberty County had 1,508 active NFIP flood policies as of September 2026. See the full Liberty 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 | $189,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Liberty County | 1,508 |
| 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)