Home Insurance in Cobbtown, Georgia
Homes in Cobbtown carry a median value of $98,900 - 29% lower than the Tattnall County median.
The typical home in Cobbtown was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 16 points above Tattnall County's 16%.
In Cobbtown, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 10% 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.
In Cobbtown, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Cobbtown are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
96% of homes in Cobbtown are primarily heated with electricity.
Tattnall County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Tattnall County had 39 active NFIP flood policies as of September 2026. See the full Tattnall 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 | $98,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Tattnall County | 39 |
| 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)