Home Insurance in Buena Vista, Georgia
With a median home value of $80,900, Buena Vista is 48% lower than the Marion County median.
The typical home in Buena Vista was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 7 points above Marion County's 6%.
In Buena Vista, the housing stock is 39% single-family homes, 25% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Buena Vista carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buena Vista has an owner-occupancy rate of 40% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Buena Vista, 77% of homes are primarily heated with electricity.
Marion County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Marion County had 1 active NFIP flood policy as of September 2026. See the full Marion 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 | $80,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Marion County | 1 |
| 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)