Home Insurance in Randolph County, Georgia
The median home value in Randolph County is $90,200, 70% lower than the Georgia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Randolph County was built around 1983. About 25% of homes were built before 1960, about 13 points above Georgia's 12%.
In Randolph County, the housing stock is 57% single-family homes, 8% apartments in buildings with 5+ units and 17% 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.
41% of owner-occupied homes in Randolph County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Randolph County has an owner-occupancy rate of 52% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Randolph County are primarily heated with electricity.
Per FEMA's National Risk Index, Randolph County's top hazards are hurricane (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Low).
Randolph County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $90,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)