Home Insurance in Darien, Georgia
The median home value in Darien is $172,200, 6% lower than the McIntosh County median.
The typical home in Darien was built around 1990. About 28% of homes were built before 1960, about 19 points above McIntosh County's 9%. 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 Darien is 70% single-family homes, 6% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
52% of owner-occupied homes in Darien carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Darien has an owner-occupancy rate of 80% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Darien, 86% of homes are primarily heated with electricity.
FEMA rates McIntosh County's overall risk as Relatively Low, led by hurricane (Relatively High). McIntosh County had 620 active NFIP flood policies as of September 2026. See the full McIntosh 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 | $172,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in McIntosh County | 620 |
| 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)