Home Insurance in Fort Gaines, Georgia
The median home value in Fort Gaines is $90,500, close to the Clay County median.
The typical home in Fort Gaines was built around 1965. About 46% of homes were built before 1960, about 29 points above Clay County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fort Gaines is 56% single-family homes, 19% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
31% of owner-occupied homes in Fort Gaines carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Gaines has an owner-occupancy rate of 48% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fort Gaines, 86% of homes are primarily heated with electricity.
Clay County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Clay 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 | $90,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Clay County | 2 |
| 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)