Home Insurance in Flemington, Georgia
With a median home value of $316,500, Flemington is 57% higher than the Liberty County median.
The typical home in Flemington was built around 2009. About 5% of homes were built before 1960, in line with Liberty County (5%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Flemington is 98% single-family homes and 2% mobile or manufactured homes.
81% of owner-occupied homes in Flemington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Flemington are owner-occupied.
Most homes in Flemington - 97% - are primarily heated with electricity.
What's the biggest home insurance risk near Flemington? FEMA's National Risk Index points to hurricane (Relatively High) in Liberty County and 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 | $316,500 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)