Home Insurance in Walthourville, Georgia
The median home value in Walthourville is $158,700, 21% lower than the Liberty County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Walthourville was built around 1996. About 4% of homes were built before 1960, in line with Liberty County (5%).
The housing stock in Walthourville is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Walthourville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Walthourville has an owner-occupancy rate of 47% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
92% of homes in Walthourville are primarily heated with electricity.
Liberty County had 1,508 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). 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 | $158,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)