Home Insurance in Gray, Georgia
The median home value in Gray is $226,400, 16% higher than the Jones County median.
The typical home in Gray was built around 1997. About 7% of homes were built before 1960, in line with Jones County (8%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gray is 83% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 69% of owner-occupied homes in Gray have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gray has an owner-occupancy rate of 72% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
70% of homes in Gray are primarily heated with electricity.
Jones County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Jones County had 30 active NFIP flood policies as of September 2026. See the full Jones 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 | $226,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jones County | 30 |
| 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)