Home Insurance in Yatesville, Georgia
With a median home value of $156,600, Yatesville is 7% lower than the Upson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Yatesville was built around 1972. About 30% of homes were built before 1960, about 3 points below Upson County's 32%.
In Yatesville, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Yatesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Yatesville are owner-occupied.
62% of homes in Yatesville 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 Yatesville? FEMA's National Risk Index points to hurricane (Relatively Low) in Upson County and Upson County had 19 active NFIP flood policies as of September 2026. See the full Upson 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 | $156,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Upson County | 19 |
| 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)