Home Insurance in Claxton, Georgia
With a median home value of $162,000, Claxton is 17% higher than the Evans County median.
The typical home in Claxton was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 21 points above Evans County's 18%.
In Claxton, the housing stock is 59% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Claxton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Claxton has an owner-occupancy rate of 42% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
79% of homes in Claxton are primarily heated with electricity.
Evans County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Evans County had 11 active NFIP flood policies as of September 2026. See the full Evans County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $162,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Evans County | 11 |
| 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)