Home Insurance in Glenwood, Georgia
Homes in Glenwood carry a median value of $104,500 - 18% higher than the Wheeler County median.
The typical home in Glenwood was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 8 points below Wheeler County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Glenwood is 59% single-family homes, 13% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
Almost no owner-occupied homes in Glenwood carry a mortgage.
The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 31% of occupied homes in Glenwood are owner-occupied.
In Glenwood, 91% of homes are primarily heated with electricity.
FEMA rates Wheeler County's overall risk as Very Low, led by hurricane (Relatively Low). Wheeler County had 10 active NFIP flood policies as of September 2026. See the full Wheeler 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 | $104,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wheeler County | 10 |
| 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)