Home Insurance in Concord, Georgia
Homes in Concord carry a median value of $202,600 - 34% lower than the Pike County median.
The typical home in Concord was built around 1992. About 33% of homes were built before 1960, about 18 points above Pike County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Concord, the housing stock is 93% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Concord carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Concord has an owner-occupancy rate of 78% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
67% of homes in Concord 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.
Pike County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Pike County had 6 active NFIP flood policies as of September 2026. See the full Pike 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 | $202,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Pike County | 6 |
| 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)