Home Insurance in Donalsonville, Georgia
Homes in Donalsonville carry a median value of $109,900 - 10% lower than the Seminole County median.
The typical home in Donalsonville was built around 1975. About 19% of homes were built before 1960, about 9 points above Seminole County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Donalsonville is 83% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Donalsonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Donalsonville has an owner-occupancy rate of 58% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Donalsonville, 91% of homes are primarily heated with electricity.
Seminole County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Seminole County had 124 active NFIP flood policies as of September 2026. See the full Seminole 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 | $109,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Seminole County | 124 |
| 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)