Home Insurance in Shady Dale, Georgia
Homes in Shady Dale carry a median value of $119,200 - 51% lower than the Jasper County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Shady Dale was built around 1987. About 27% of homes were built before 1960, about 14 points above Jasper County's 13%.
The housing stock in Shady Dale is 60% single-family homes and 21% 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.
About 41% of owner-occupied homes in Shady Dale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Shady Dale are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Shady Dale are primarily heated with electricity.
Jasper County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Jasper County had 37 active NFIP flood policies as of September 2026. 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 | $119,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)