Home Insurance in Dodge County, Georgia
With a median home value of $118,100, Dodge County is 61% lower than the Georgia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dodge County was built around 1983. About 20% of homes were built before 1960, about 8 points above 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 Dodge County is 64% single-family homes, 4% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
In Dodge County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dodge County has an owner-occupancy rate of 71% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Dodge County - 76% - 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.
FEMA's National Risk Index lists hurricane (Relatively Low), wildfire (Very Low) and earthquake (Very Low) as the leading hazards for Dodge County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Dodge County has 7 active NFIP flood insurance policies. 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 | $118,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Earthquake (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)