Home Insurance in Young Harris, Georgia
Homes in Young Harris carry a median value of $295,200 - 7% lower than the Towns County median.
The typical home in Young Harris was built around 2001. About 16% of homes were built before 1960, about 9 points above Towns County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Young Harris breaks down to 45% single-family homes, 47% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Young Harris, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Young Harris are owner-occupied.
Most homes in Young Harris - 82% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Young Harris? FEMA's National Risk Index points to wildfire (Very Low) in Towns County and Towns County had 73 active NFIP flood policies as of September 2026. See the full Towns 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 | $295,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Towns County | 73 |
| 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)