Home Insurance in Culloden, Georgia
Homes in Culloden carry a median value of $185,700 - 32% lower than the Monroe County median.
The median home in Culloden was built in 1939 or earlier. About 59% of homes were built before 1960, about 47 points above Monroe County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Culloden is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Culloden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Culloden are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Culloden are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Culloden? FEMA's National Risk Index points to hurricane (Relatively Low) in Monroe County and Monroe County had 62 active NFIP flood policies as of September 2026. See the full Monroe 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 | $185,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Monroe County | 62 |
| 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)