Home Insurance in McIntosh County, Georgia
The median home value in McIntosh County is $182,700, 40% lower than the Georgia median.
The typical home in McIntosh County was built around 1997. About 9% of homes were built before 1960, about 3 points below Georgia's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McIntosh County is 60% single-family homes, 3% apartments in buildings with 5+ units and 35% mobile or manufactured homes.
45% of owner-occupied homes in McIntosh County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in McIntosh County are owner-occupied.
90% of homes in McIntosh County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively High), wildfire (Relatively Low) and coastal flooding (Relatively Moderate) as the leading hazards for McIntosh County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, McIntosh County has 620 active NFIP flood policies on file.
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 | $182,700 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 620 |
| 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)