Home Insurance in Ellenton, Georgia
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellenton was built around 1983. About 13% of homes were built before 1960, about 5 points below Colquitt County's 17%.
The housing stock in Ellenton is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Ellenton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Ellenton are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ellenton - 84% - are primarily heated with electricity.
What's the biggest home insurance risk near Ellenton? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Colquitt County and Colquitt County had 78 active NFIP flood policies as of September 2026. See the full Colquitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median year built | 1983 |
|---|---|
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Colquitt County | 78 |
| 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)