Home Insurance in Walnut Grove, Georgia
With a median home value of $264,300, Walnut Grove is 22% lower than the Walton County median.
The typical home in Walnut Grove was built around 1993. About 2% of homes were built before 1960, about 5 points below Walton County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Walnut Grove, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Walnut Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Walnut Grove are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Walnut Grove are primarily heated with electricity.
What's the biggest home insurance risk near Walnut Grove? FEMA's National Risk Index points to tornado (Relatively Moderate) in Walton County and 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.
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 | $264,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)