Home Insurance in Clay County, Georgia
With a median home value of $94,400, Clay County is 69% lower than the Georgia median.
The typical home in Clay County was built around 1988. About 18% of homes were built before 1960, about 6 points above Georgia's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Clay County is 52% single-family homes, 7% apartments in buildings with 5+ units and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Clay County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clay County has an owner-occupancy rate of 78% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
87% of homes in Clay County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Clay County's top hazards are hurricane (Relatively Low), wildfire (Very Low) and tornado (Relatively Low).
Clay County had 2 active National Flood Insurance Program policies as of September 2026. 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 | $94,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| 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)