Home Insurance in Buckhead, Georgia
The median home value in Buckhead is $227,800, 33% lower than the Morgan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Buckhead was built around 1985. About 28% of homes were built before 1960, about 13 points above Morgan County's 15%.
The housing stock in Buckhead is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Buckhead carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Buckhead are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Buckhead - 81% - 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 | $227,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)