Home Insurance in Ailey, Georgia
Homes in Ailey carry a median value of $124,300 - 8% higher than the Montgomery County median.
The typical home in Ailey was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 12 points above Montgomery County's 17%.
The housing stock in Ailey is 100% single-family homes.
In Ailey, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ailey has an owner-occupancy rate of 85% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Ailey, 90% of homes are primarily heated with electricity.
FEMA rates Montgomery County's overall risk as Very Low, led by hurricane (Relatively Low). Montgomery County had 13 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $124,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Montgomery 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)