Home Insurance in Rutledge, Georgia
Homes in Rutledge carry a median value of $283,900 - 17% lower than the Morgan County median.
The typical home in Rutledge was built around 1978. About 14% of homes were built before 1960, in line with Morgan County (15%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Rutledge breaks down to 96% single-family homes and 1% mobile or manufactured homes.
54% of owner-occupied homes in Rutledge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Rutledge are owner-occupied.
Most homes in Rutledge - 70% - 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.
What's the biggest home insurance risk near Rutledge? FEMA's National Risk Index points to hurricane (Very Low) in Morgan County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $283,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)