Home Insurance in Millen, Georgia
With a median home value of $86,300, Millen is 7% lower than the Jenkins County median.
The typical home in Millen was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 24 points above Jenkins County's 22%.
The housing stock in Millen is 72% single-family homes, 3% apartments in buildings with 5+ units and 6% 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.
46% of owner-occupied homes in Millen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Millen are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Millen are primarily heated with electricity.
FEMA rates Jenkins County's overall risk as Very Low, led by hurricane (Relatively Low). Jenkins County had 22 active NFIP flood policies as of September 2026. See the full Jenkins 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 | $86,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jenkins County | 22 |
| 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)