Home Insurance in Social Circle, Georgia
With a median home value of $307,300, Social Circle is 9% lower than the Walton County median.
The typical home in Social Circle was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 6 points above Walton County's 8%.
The housing stock in Social Circle is 93% single-family homes and 2% apartments in buildings with 5+ units.
In Social Circle, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Social Circle are owner-occupied.
60% of homes in Social Circle are primarily heated with electricity.
Walton County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Walton County had 78 active NFIP flood policies as of September 2026. See the full Walton 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 | $307,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Walton County | 78 |
| 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)