Home Insurance in Georgetown-Quitman County, Georgia
The median home value in Georgetown-Quitman County is $104,600, close to the Quitman County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Georgetown-Quitman County was built around 1986. About 12% of homes were built before 1960, in line with Quitman County (12%).
In Georgetown-Quitman County, the housing stock is 52% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Georgetown-Quitman County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Georgetown-Quitman County are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Georgetown-Quitman County 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.
What's the biggest home insurance risk near Georgetown-Quitman County? FEMA's National Risk Index points to hurricane (Relatively Low) in Quitman County and Quitman County had 1 active NFIP flood policy as of September 2026. See the full Quitman County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $104,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Quitman County | 1 |
| 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)