Home Insurance in Colbert, Georgia
With a median home value of $325,400, Colbert is 48% higher than the Madison County median.
The typical home in Colbert was built around 1999. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 8 points above Madison County's 10%.
In Colbert, the housing stock is 89% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Colbert, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Colbert has an owner-occupancy rate of 76% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Colbert - 51% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Madison County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Madison County had 13 active NFIP flood policies as of September 2026. See the full Madison 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 | $325,400 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Madison County | 13 |
| 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)