Home Insurance in Wrens, Georgia
Homes in Wrens carry a median value of $123,400 - 17% higher than the Jefferson County median.
The typical home in Wrens was built around 1968. About 39% of homes were built before 1960, about 14 points above Jefferson County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wrens is 73% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
38% of owner-occupied homes in Wrens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Wrens are owner-occupied.
70% of homes in Wrens are primarily heated with electricity.
FEMA rates Jefferson County's overall risk as Very Low, led by hurricane (Relatively Low). Jefferson County had 16 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $123,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jefferson County | 16 |
| 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)