Home Insurance in Cuthbert, Georgia
The median home value in Cuthbert is $126,100, 40% higher than the Randolph County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cuthbert was built around 1990. About 22% of homes were built before 1960, about 3 points below Randolph County's 25%.
In Cuthbert, the housing stock is 44% single-family homes, 14% apartments in buildings with 5+ units and 8% 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.
48% of owner-occupied homes in Cuthbert carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 25% of occupied homes in Cuthbert are owner-occupied.
Most homes in Cuthbert - 89% - are primarily heated with electricity.
FEMA rates Randolph County's overall risk as Very Low, led by hurricane (Relatively Low). Randolph County had 1 active NFIP flood policy as of September 2026. See the full Randolph County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $126,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 25% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Randolph 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)