Home Insurance in McRae-Helena, Georgia
With a median home value of $113,500, McRae-Helena is close to the Telfair County median.
The typical home in McRae-Helena was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 3 points above Telfair County's 23%.
The housing stock in McRae-Helena is 62% single-family homes, 9% apartments in buildings with 5+ units and 9% 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.
In McRae-Helena, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McRae-Helena has an owner-occupancy rate of 55% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
81% of homes in McRae-Helena are primarily heated with electricity.
FEMA rates Telfair County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $113,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)