Home Insurance in Jacksonville, Georgia
The median home value in Jacksonville is $33,300, 71% lower than the Telfair County median.
The typical home in Jacksonville was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 3 points above Telfair County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksonville is 79% single-family homes and 21% mobile or manufactured homes.
21% of owner-occupied homes in Jacksonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Jacksonville are owner-occupied. The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jacksonville - 74% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Telfair County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Telfair County had 7 active NFIP flood policies as of September 2026. See the full Telfair 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 | $33,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Telfair County | 7 |
| 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)