Home Insurance in Richmond County, Georgia
Homes in Richmond County carry a median value of $178,500 - 41% lower than the Georgia median.
The typical home in Richmond County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 10 points above Georgia's 12%.
In Richmond County, the housing stock is 64% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Richmond County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Richmond County are owner-occupied.
58% of homes in Richmond County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), tornado (Relatively High) and earthquake (Relatively Low) as the leading hazards for Richmond County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Richmond County had 713 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $178,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 713 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)