Home Insurance in Woodland, Georgia
The median home value in Woodland is $97,500, 17% lower than the Talbot County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Woodland was built around 1973. About 38% of homes were built before 1960, about 15 points above Talbot County's 23%.
In Woodland, the housing stock is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woodland, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Woodland has an owner-occupancy rate of 73% and a vacancy rate of 26%; 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. 55% of homes in Woodland are primarily heated with electricity.
Talbot County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Talbot County had 4 active NFIP flood policies as of September 2026. See the full Talbot 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 | $97,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Talbot County | 4 |
| 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)