Home Insurance in Ambrose, Georgia
The median home value in Ambrose is $100,400, 22% lower than the Coffee County median.
The typical home in Ambrose was built around 1991. About 14% of homes were built before 1960, about 1 point above Coffee County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ambrose, the housing stock is 45% single-family homes and 55% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ambrose, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Ambrose are owner-occupied.
99% of homes in Ambrose are primarily heated with electricity.
FEMA rates Coffee County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Coffee County had 43 active NFIP flood policies as of September 2026. See the full Coffee 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 | $100,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Coffee County | 43 |
| 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)