Home Insurance in Higgston, Georgia
With a median home value of $96,300, Higgston is 17% lower than the Montgomery County median.
The typical home in Higgston was built around 1988. About 22% of homes were built before 1960, about 6 points above Montgomery County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Higgston is 56% single-family homes, 3% apartments in buildings with 5+ units and 36% mobile or manufactured homes.
In Higgston, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Higgston are owner-occupied.
In Higgston, 92% of homes are primarily heated with electricity.
Montgomery County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Montgomery County had 13 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $96,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Montgomery County | 13 |
| 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)