Home Insurance in Colquitt, Georgia
The median home value in Colquitt is $89,500, 28% lower than the Miller County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Colquitt was built around 1967. About 35% of homes were built before 1960, about 13 points above Miller County's 22%.
The housing stock in Colquitt is 71% single-family homes and 13% 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 26% of owner-occupied homes in Colquitt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Colquitt are owner-occupied.
In Colquitt, 86% of homes are primarily heated with electricity.
Miller County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Miller County had 21 active NFIP flood policies as of September 2026. See the full Miller 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 | $89,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Miller County | 21 |
| 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)