Home Insurance in Webster County, Georgia
The median home value in Webster County is $82,600, close to the Webster County median.
The typical home in Webster County was built around 1987. About 9% of homes were built before 1960, in line with Webster County (9%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Webster County is 44% single-family homes, 6% apartments in buildings with 5+ units and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Webster County, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Webster County has an owner-occupancy rate of 77% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Webster County - 76% - 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.
Webster County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Webster 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 | $82,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Webster County | 2 |
| 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)