Home Insurance in Tattnall County, Georgia
The median home value in Tattnall County is $140,000, 54% lower than the Georgia median.
The typical home in Tattnall County was built around 1987. About 16% of homes were built before 1960, about 5 points above Georgia's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Tattnall County, the housing stock is 58% single-family homes, 1% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tattnall County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Tattnall County are owner-occupied. The vacancy rate is 19%; 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 Tattnall County - 86% - are primarily heated with electricity.
Per FEMA's National Risk Index, Tattnall County's top hazards are hurricane (Relatively High), earthquake (Relatively Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Tattnall County had 39 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $140,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 39 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
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)