Home Insurance in Fitzgerald, Georgia
The median home value in Fitzgerald is $99,000, 12% lower than the Ben Hill County median.
The typical home in Fitzgerald was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 8 points above Ben Hill County's 20%.
The housing stock in Fitzgerald is 70% single-family homes, 14% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fitzgerald, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fitzgerald has an owner-occupancy rate of 54% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Fitzgerald, 81% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fitzgerald? FEMA's National Risk Index points to hurricane (Relatively Low) in Ben Hill County and Ben Hill County had 28 active NFIP flood policies as of September 2026. See the full Ben Hill 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 | $99,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Ben Hill County | 28 |
| 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)