Home Insurance in Ludowici, Georgia
Homes in Ludowici carry a median value of $238,600 - 9% higher than the Long County median.
The typical home in Ludowici was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 12 points above Long County's 7%.
The housing stock in Ludowici is 41% single-family homes, 33% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Ludowici have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Ludowici are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ludowici, 88% of homes are primarily heated with electricity.
FEMA rates Long County's overall risk as Very Low, led by hurricane (Relatively Low). Long County had 211 active NFIP flood policies as of September 2026. See the full Long 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 | $238,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Long County | 211 |
| 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)