Home Insurance in Jeff Davis County, Georgia
With a median home value of $118,300, Jeff Davis County is 61% lower than the Georgia median.
The typical home in Jeff Davis County was built around 1986. About 13% of homes were built before 1960, in line with Georgia (12%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jeff Davis County is 59% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Jeff Davis County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Jeff Davis County are owner-occupied.
Most homes in Jeff Davis County - 89% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Low) and earthquake (Very Low) as the leading hazards for Jeff Davis County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Jeff Davis County has 29 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $118,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 29 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)