Home Insurance in Martin, Georgia
Homes in Martin carry a median value of $164,400 - 6% lower than the Stephens County median.
The typical home in Martin was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 8 points above Stephens County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Martin is 70% single-family homes and 30% mobile or manufactured homes.
50% of owner-occupied homes in Martin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Martin are owner-occupied.
82% of homes in Martin 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.
Stephens County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Stephens County had 36 active NFIP flood policies as of September 2026. See the full Stephens County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $164,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Stephens County | 36 |
| 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)