Home Insurance in Eton, Georgia
Homes in Eton carry a median value of $229,300 - 27% higher than the Murray County median.
The typical home in Eton was built around 2003. About 3% of homes were built before 1960, about 6 points below Murray County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Eton is 91% single-family homes and 2% mobile or manufactured homes.
About 73% of owner-occupied homes in Eton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Eton are owner-occupied.
90% of homes in Eton are primarily heated with electricity.
What's the biggest home insurance risk near Eton? FEMA's National Risk Index points to earthquake (Relatively Low) in Murray County and Murray County had 28 active NFIP flood policies as of September 2026. See the full Murray County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $229,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Murray County | 28 |
| 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)