Home Insurance in Camilla, Georgia
With a median home value of $85,400, Camilla is 19% lower than the Mitchell County median.
The typical home in Camilla was built around 1973. About 29% of homes were built before 1960, about 6 points above Mitchell County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Camilla is 56% single-family homes, 16% apartments in buildings with 5+ units and 5% 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.
In Camilla, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camilla has an owner-occupancy rate of 36% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Camilla, 78% of homes 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.
Mitchell County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Mitchell County had 155 active NFIP flood policies as of September 2026. See the full Mitchell County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $85,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Mitchell County | 155 |
| 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)