Home Insurance in Hiltonia, Georgia
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hiltonia was built around 1983. About 33% of homes were built before 1960, about 10 points above Screven County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hiltonia is 50% single-family homes and 48% mobile or manufactured homes.
36% of owner-occupied homes in Hiltonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Hiltonia are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hiltonia - 85% - 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 Hiltonia? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Screven County and Screven County had 30 active NFIP flood policies as of September 2026. See the full Screven 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 year built | 1983 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Screven County | 30 |
| 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)