Home Insurance in Ellijay, Georgia
The median home value in Ellijay is $349,100, 11% higher than the Gilmer County median.
The typical home in Ellijay was built around 1990. About 20% of homes were built before 1960, about 14 points above Gilmer County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ellijay is 55% single-family homes, 24% apartments in buildings with 5+ units and 4% 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 Ellijay, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ellijay has an owner-occupancy rate of 35% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Ellijay, 55% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ellijay? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Gilmer County and Gilmer County had 230 active NFIP flood policies as of September 2026. See the full Gilmer County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $349,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Gilmer County | 230 |
| 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)