Home Insurance in Pike County, Georgia
Homes in Pike County carry a median value of $305,600 - close to 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 Pike County was built around 1994. About 15% of homes were built before 1960, about 4 points above Georgia's 12%.
In Pike County, the housing stock is 86% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pike County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Pike County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pike County - 72% - 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's National Risk Index lists hurricane (Very Low), earthquake (Very Low) and hail (Relatively Low) as the leading hazards for Pike County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pike County has 6 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $305,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Earthquake (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Molena
- Median year built: 1939 or earlier
- Owner-occupied share: 83%
- Share of owner-occupied homes with a mortgage: 32%
-
Williamson
- Median home value: $418,500
- Median year built: 2005
- Owner-occupied share: 84%
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)