Home Insurance in Shellman, Georgia
Homes in Shellman carry a median value of $96,100 - 7% higher than the Randolph County median.
The typical home in Shellman was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 8 points above Randolph County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shellman is 66% single-family homes, 13% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
33% of owner-occupied homes in Shellman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shellman has an owner-occupancy rate of 52% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Shellman, 78% of homes 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 | $96,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)