Home Insurance in Ellaville, Georgia
With a median home value of $160,500, Ellaville is 12% higher than the Schley County median.
The typical home in Ellaville was built around 1978. About 19% of homes were built before 1960, about 6 points above Schley County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ellaville is 60% single-family homes, 6% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ellaville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ellaville has an owner-occupancy rate of 68% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Ellaville, 58% 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.
FEMA rates Schley County's overall risk as Very Low, led by hurricane (Very Low). Schley County has no active NFIP flood policies on file. See the full Schley 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 | $160,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Very Low) |
| 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)