Home Insurance in Adel, Georgia
Homes in Adel carry a median value of $154,900 - close to the Cook County median.
The typical home in Adel was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 3 points below Cook County's 16%.
In Adel, the housing stock is 70% single-family homes, 16% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Adel, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Adel are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Adel - 84% - are primarily heated with electricity.
What's the biggest home insurance risk near Adel? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Cook County and Cook County had 78 active NFIP flood policies as of September 2026. See the full Cook 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 home value | $154,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Cook 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)