Home Insurance in Ben Hill County, Georgia
The median home value in Ben Hill County is $112,700, 63% lower than the Georgia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ben Hill County was built around 1981. About 20% of homes were built before 1960, about 8 points above Georgia's 12%.
In Ben Hill County, the housing stock is 65% single-family homes, 8% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ben Hill County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ben Hill County has an owner-occupancy rate of 63% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Ben Hill County, 83% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Ben Hill County's top hazards are hurricane (Relatively Low), tornado (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Ben Hill County has 28 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $112,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)