Home Insurance in Ila, Georgia
The median home value in Ila is $205,300, 7% lower than the Madison County median.
The typical home in Ila was built around 1981. About 22% of homes were built before 1960, about 12 points above Madison County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ila is 62% single-family homes and 26% 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.
About 54% of owner-occupied homes in Ila have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ila has an owner-occupancy rate of 72% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
81% of homes in Ila are primarily heated with electricity.
FEMA rates Madison County's overall risk as Very Low, led by hurricane (Relatively Low). 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 | $205,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)