Home Insurance in Crawford, Georgia
The median home value in Crawford is $236,100, close to the Oglethorpe County median.
The typical home in Crawford was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 11 points above Oglethorpe County's 13%.
The housing stock in Crawford is 58% single-family homes, 16% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Crawford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crawford has an owner-occupancy rate of 42% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Crawford, 77% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Crawford? FEMA's National Risk Index points to hurricane (Relatively Low) in Oglethorpe County and Oglethorpe County had 7 active NFIP flood policies as of September 2026. See the full Oglethorpe County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $236,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Oglethorpe County | 7 |
| 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)