Home Insurance in Pierce County, Georgia
With a median home value of $153,300, Pierce County is 49% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pierce County was built around 1990. About 8% of homes were built before 1960, about 4 points below Georgia's 12%.
The housing stock in Pierce County is 64% single-family homes, 3% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pierce County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pierce County has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
94% of homes in Pierce County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), wildfire (Relatively Low) and earthquake (Very Low) as the leading hazards for Pierce County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pierce County has 31 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $153,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)