Home Insurance in Long County, Georgia
Homes in Long County carry a median value of $218,300 - 28% lower than the Georgia median.
The typical home in Long County was built around 1998. About 7% of homes were built before 1960, about 4 points below Georgia's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Long County, the housing stock is 57% single-family homes, 5% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Long County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Long County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Long County, 92% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Long County's top hazards are hurricane (Relatively Low), wildfire (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Long County has 211 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $218,300 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 211 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)