Home Insurance in Baxley, Georgia
Homes in Baxley carry a median value of $72,300 - 6% lower than the Appling County median.
The typical home in Baxley was built around 1982. About 12% of homes were built before 1960, in line with Appling County (13%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Baxley, the housing stock is 58% single-family homes, 7% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Baxley, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Baxley are owner-occupied.
87% of homes in Baxley are primarily heated with electricity.
Appling County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Appling County had 113 active NFIP flood policies as of September 2026. See the full Appling County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $72,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Appling County | 113 |
| 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)