Home Insurance in Monticello, Georgia
The median home value in Monticello is $168,400, 31% lower than the Jasper County median.
The typical home in Monticello was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 9 points above Jasper County's 13%.
In Monticello, the housing stock is 83% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Monticello, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Monticello has an owner-occupancy rate of 69% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Monticello, 54% of homes are primarily heated with electricity.
Jasper County had 37 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Jasper 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 | $168,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Jasper County | 37 |
| 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)