Home Insurance in Cordele, Georgia
The median home value in Cordele is $121,500, 13% lower than the Crisp County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cordele was built around 1978. About 23% of homes were built before 1960, about 3 points above Crisp County's 20%.
In Cordele, the housing stock is 56% single-family homes, 18% apartments in buildings with 5+ units and 12% 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.
In Cordele, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 39% of occupied homes in Cordele are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cordele, 87% of homes are primarily heated with electricity.
Crisp County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Crisp County had 182 active NFIP flood policies as of September 2026. See the full Crisp 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 | $121,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Crisp County | 182 |
| 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)