Home Insurance in Milledgeville, Georgia
With a median home value of $193,100, Milledgeville is 6% higher than the Baldwin County median.
The typical home in Milledgeville was built around 1980. About 16% of homes were built before 1960, about 5 points above Baldwin County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milledgeville is 44% single-family homes, 31% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Milledgeville, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Milledgeville has an owner-occupancy rate of 33% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Milledgeville, 73% of homes are primarily heated with electricity.
Baldwin County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Baldwin County had 32 active NFIP flood policies as of September 2026. See the full Baldwin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $193,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Baldwin County | 32 |
| 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)