Home Insurance in Zebulon, Georgia
Homes in Zebulon carry a median value of $213,400 - 30% lower than the Pike County median.
The typical home in Zebulon was built around 1985. About 27% of homes were built before 1960, about 12 points above Pike County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Zebulon, the housing stock is 69% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Zebulon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 54% of occupied homes in Zebulon are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 57% of homes in Zebulon are primarily heated with electricity.
FEMA rates Pike County's overall risk as Very Low, led by hurricane (Very Low). 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 | $213,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)