Home Insurance in Denton, Georgia
The median home value in Denton is $95,400, 19% lower than the Jeff Davis County median.
The typical home in Denton was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 18 points above Jeff Davis County's 13%.
In Denton, the housing stock is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Denton, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Denton are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Denton are primarily heated with electricity.
What's the biggest home insurance risk near Denton? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Jeff Davis County and Jeff Davis County had 29 active NFIP flood policies as of September 2026. See the full Jeff Davis 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 | $95,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Jeff Davis County | 29 |
| 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)