Home Insurance in Telfair County, Georgia
With a median home value of $113,300, Telfair County is 63% 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 Telfair County was built around 1979. About 23% of homes were built before 1960, about 11 points above Georgia's 12%.
In Telfair County, the housing stock is 62% single-family homes, 4% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Telfair County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Telfair County are owner-occupied.
85% of homes in Telfair County are primarily heated with electricity.
The top hazards for Telfair County, per FEMA's National Risk Index, are hurricane (Relatively Low), tornado (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Telfair County has 7 active NFIP flood policies on file.
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 | $113,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 7 |
| 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)