Home Insurance in Whigham, Georgia
With a median home value of $150,000, Whigham is close to the Grady County median.
The typical home in Whigham was built around 1978. About 20% of homes were built before 1960, about 5 points above Grady County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Whigham is 71% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Whigham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Whigham are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Whigham - 94% - 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.
What's the biggest home insurance risk near Whigham? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Grady County and Grady County had 14 active NFIP flood policies as of September 2026. See the full Grady 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 | $150,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Grady County | 14 |
| 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)