Home Insurance in Ocilla, Georgia
With a median home value of $95,700, Ocilla is 9% lower than the Irwin County median.
The typical home in Ocilla was built around 1981. About 24% of homes were built before 1960, about 3 points above Irwin County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ocilla is 76% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Ocilla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ocilla has an owner-occupancy rate of 53% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Ocilla, 95% of homes are primarily heated with electricity.
FEMA rates Irwin County's overall risk as Very Low, led by hurricane (Relatively Low). Irwin County had 9 active NFIP flood policies as of September 2026. See the full Irwin 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 | $95,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Irwin County | 9 |
| 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)