Home Insurance in Douglas, Georgia
The median home value in Douglas is $133,300, close to the Coffee County median.
The typical home in Douglas was built around 1980. About 21% of homes were built before 1960, about 8 points above Coffee County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Douglas, the housing stock is 72% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Douglas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 46% of occupied homes in Douglas are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Douglas, 95% of homes 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.
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 | $133,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)