Home Insurance in Greenville, Georgia
With a median home value of $179,200, Greenville is 6% higher than the Meriwether County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greenville was built around 1965. About 44% of homes were built before 1960, about 20 points above Meriwether County's 23%.
In Greenville, the housing stock is 78% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Greenville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Greenville are owner-occupied.
In Greenville, 71% of homes are primarily heated with electricity.
Meriwether County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Meriwether 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 | $179,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Meriwether County | 10 |
| 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)