Home Insurance in Lumpkin, Georgia
Homes in Lumpkin carry a median value of $92,700 - 42% higher than the Stewart County median.
The typical home in Lumpkin was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 1 point below Stewart County's 21%.
The housing stock in Lumpkin is 73% single-family homes, 4% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Lumpkin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Lumpkin are owner-occupied.
55% of homes in Lumpkin are primarily heated with electricity.
Stewart County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Stewart 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 | $92,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Nearby towns
- Richland
- Webster County
- Georgetown-Quitman County
- Cuthbert
- Parrott
- Cusseta-Chattahoochee County
- Shellman
- Plains
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)