Home Insurance in Moultrie, Georgia
The median home value in Moultrie is $157,200, 29% higher than the Colquitt County median.
The typical home in Moultrie was built around 1978. About 21% of homes were built before 1960, about 4 points above Colquitt County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Moultrie, the housing stock is 60% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Moultrie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 41% of occupied homes in Moultrie are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Moultrie - 88% - are primarily heated with electricity.
Colquitt County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Colquitt 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 | $157,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)