Home Insurance in Hull, Georgia
Homes in Hull carry a median value of $260,200 - 18% higher than the Madison County median.
The typical home in Hull was built around 1993. About 6% of homes were built before 1960, about 5 points below Madison County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hull is 74% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hull, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Hull are owner-occupied.
In Hull, 93% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hull? FEMA's National Risk Index points to hurricane (Relatively Low) in Madison County and Madison County had 13 active NFIP flood policies as of September 2026. See the full Madison 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 | $260,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Madison County | 13 |
| 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)