Home Insurance in Gumbranch, Georgia
The median home value in Gumbranch is $166,300, 17% lower than the Liberty County median.
The typical home in Gumbranch was built around 1983. About 7% of homes were built before 1960, about 3 points above Liberty County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Gumbranch, the housing stock is 33% single-family homes and 67% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Gumbranch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Gumbranch are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gumbranch - 87% - 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 Liberty County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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.
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 | $166,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)