Home Insurance in Woodbine, Georgia
Homes in Woodbine carry a median value of $149,400 - 43% lower than the Camden County median.
The typical home in Woodbine was built around 1980. About 28% of homes were built before 1960, about 21 points above Camden County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Woodbine, the housing stock is 71% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Woodbine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Woodbine are owner-occupied.
91% of homes in Woodbine are primarily heated with electricity.
FEMA rates Camden County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Camden County had 2,922 active NFIP flood policies as of September 2026. See the full Camden County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $149,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Camden County | 2,922 |
| 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)