Home Insurance in Mount Vernon, Georgia
With a median home value of $69,800, Mount Vernon is 40% lower than the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mount Vernon was built around 1984. About 13% of homes were built before 1960, about 4 points below Montgomery County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Vernon is 52% single-family homes, 14% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
In Mount Vernon, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Mount Vernon are owner-occupied.
98% of homes in Mount Vernon 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.
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 | $69,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)