Home Insurance in Richland, Georgia
With a median home value of $47,600, Richland is 27% lower than the Stewart County median.
The typical home in Richland was built around 1984. About 21% of homes were built before 1960, in line with Stewart County (21%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Richland, the housing stock is 43% single-family homes, 14% apartments in buildings with 5+ units and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Richland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Richland are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Richland - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Richland? FEMA's National Risk Index points to hurricane (Relatively Low) in Stewart County and Stewart County has no active NFIP flood policies on file. See the full Stewart 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 home value | $47,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively Low) |
| 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)