Home Insurance in Hazlehurst, Georgia
With a median home value of $145,300, Hazlehurst is 23% higher than the Jeff Davis County median.
The typical home in Hazlehurst was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 12 points above Jeff Davis County's 13%.
The housing stock in Hazlehurst is 71% single-family homes, 7% apartments in buildings with 5+ units and 7% 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.
50% of owner-occupied homes in Hazlehurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Hazlehurst are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hazlehurst - 89% - are primarily heated with electricity.
Jeff Davis County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $145,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)