Home Insurance in Camden County, Georgia
With a median home value of $261,400, Camden County is 14% lower than the Georgia median.
The typical home in Camden County was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 5 points below Georgia's 12%.
The housing stock in Camden County is 73% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Camden County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Camden County has an owner-occupancy rate of 68% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Camden County - 90% - are primarily heated with electricity.
The top hazards for Camden County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and coastal flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Camden County has 2,922 active NFIP flood policies on file.
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 | $261,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,922 |
| 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)