Home Insurance in Crawford County, Georgia
With a median home value of $164,100, Crawford County is 46% lower than the Georgia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crawford County was built around 1993. About 11% of homes were built before 1960, about 1 point below Georgia's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crawford County is 59% single-family homes, 2% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
About 41% of owner-occupied homes in Crawford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Crawford County has an owner-occupancy rate of 81% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Crawford County - 80% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Crawford County, per FEMA's National Risk Index, are hurricane (Relatively Low), wildfire (Very Low) and hail (Very Low).
Crawford County had 7 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 | $164,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 7 |
| 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)