Home Insurance in Americus, Georgia
The median home value in Americus is $107,500, 11% lower than the Sumter County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Americus was built around 1976. About 27% of homes were built before 1960, about 5 points above Sumter County's 22%.
The housing stock in Americus is 59% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Americus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 36% of occupied homes in Americus are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Americus - 87% - are primarily heated with electricity.
What's the biggest home insurance risk near Americus? FEMA's National Risk Index points to hurricane (Relatively Low) in Sumter County and Sumter County had 95 active NFIP flood policies as of September 2026. See the full Sumter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Sumter County | 95 |
| 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)