Home Insurance in Woodville, Georgia
The median home value in Woodville is $182,500, 54% lower than the Greene County median.
The typical home in Woodville was built around 1977. About 29% of homes were built before 1960, about 14 points above Greene County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Woodville, the housing stock is 69% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Woodville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodville has an owner-occupancy rate of 80% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Woodville - 54% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Greene County's overall risk as Very Low, led by hurricane (Relatively Low). Greene County had 25 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $182,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Greene County | 25 |
| 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)