Home Insurance in Hinesville, Georgia
The median home value in Hinesville is $196,400, close to the Liberty County median.
The typical home in Hinesville was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 1 point below Liberty County's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hinesville is 66% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Hinesville, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 47% of occupied homes in Hinesville are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hinesville - 87% - 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.
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 | $196,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)