Home Insurance in Pelham, Georgia
Homes in Pelham carry a median value of $93,800 - 12% lower than the Mitchell County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pelham was built around 1968. About 38% of homes were built before 1960, about 15 points above Mitchell County's 23%.
Housing in Pelham breaks down to 68% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
42% of owner-occupied homes in Pelham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pelham has an owner-occupancy rate of 46% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Pelham - 86% - are primarily heated with electricity.
Mitchell County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Mitchell County had 155 active NFIP flood policies as of September 2026. See the full Mitchell 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 | $93,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Mitchell County | 155 |
| 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)