Home Insurance in Chauncey, Georgia
With a median home value of $77,700, Chauncey is 34% lower than the Dodge County median.
The typical home in Chauncey was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 6 points below Dodge County's 20%.
In Chauncey, the housing stock is 54% single-family homes and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 10% of owner-occupied homes in Chauncey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Chauncey are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Chauncey, 88% of homes are primarily heated with electricity.
FEMA rates Dodge County's overall risk as Relatively Low, led by hurricane (Relatively Low). Dodge County had 7 active NFIP flood policies as of September 2026. See the full Dodge 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 | $77,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Dodge County | 7 |
| 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)