Home Insurance in Reynolds, Georgia
With a median home value of $78,800, Reynolds is 10% lower than the Taylor County median.
The typical home in Reynolds was built around 1974. About 30% of homes were built before 1960, about 16 points above Taylor County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Reynolds is 58% single-family homes, 3% apartments in buildings with 5+ units and 14% 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.
About 56% of owner-occupied homes in Reynolds have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reynolds has an owner-occupancy rate of 47% and a vacancy rate of 17%; 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. In Reynolds, 78% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Reynolds? FEMA's National Risk Index points to hurricane (Relatively Low) in Taylor County and Taylor County had 2 active NFIP flood policies as of September 2026. See the full Taylor County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $78,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Taylor County | 2 |
| 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)