Home Insurance in Jonesboro, Georgia
The median home value in Jonesboro is $188,300, 15% lower than the Clayton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jonesboro was built around 1972. About 28% of homes were built before 1960, about 21 points above Clayton County's 8%.
Housing in Jonesboro breaks down to 69% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Jonesboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jonesboro has an owner-occupancy rate of 47% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Jonesboro, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jonesboro? FEMA's National Risk Index points to tornado (Relatively High) in Clayton County and Clayton County had 334 active NFIP flood policies as of September 2026. See the full Clayton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $188,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Clayton County | 334 |
| 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)