Home Insurance in Colquitt County, Georgia
Homes in Colquitt County carry a median value of $121,400 - 60% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Colquitt County was built around 1986. About 17% of homes were built before 1960, about 6 points above Georgia's 12%.
The housing stock in Colquitt County is 62% single-family homes, 6% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Colquitt County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Colquitt County has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Colquitt County, 88% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Colquitt County.
Colquitt County had 78 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.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $121,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 78 |
| 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)