Home Insurance in Bostwick, Georgia
With a median home value of $339,300, Bostwick is close to the Morgan County median.
The typical home in Bostwick was built around 1984. About 28% of homes were built before 1960, about 13 points above Morgan County's 15%. 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 Bostwick is 95% single-family homes and 5% mobile or manufactured homes.
In Bostwick, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Bostwick are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bostwick - 84% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Morgan County's overall risk as Very Low, led by hurricane (Very Low). Morgan County had 7 active NFIP flood policies as of September 2026. See the full Morgan 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 | $339,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Morgan County | 7 |
| 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)