Home Insurance in Ray City, Georgia
With a median home value of $122,800, Ray City is 7% lower than the Berrien County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ray City was built around 1989. About 18% of homes were built before 1960, in line with Berrien County (17%).
The housing stock in Ray City is 70% single-family homes, 1% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Ray City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ray City has an owner-occupancy rate of 63% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Ray City - 91% - are primarily heated with electricity.
Berrien County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Berrien County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $122,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Berrien County | 33 |
| 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)