Home Insurance in Milan, Georgia
With a median home value of $75,400, Milan is 33% lower than the Telfair County median.
The typical home in Milan was built around 1963. About 44% of homes were built before 1960, about 21 points above Telfair County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milan is 79% single-family homes and 20% mobile or manufactured homes.
In Milan, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Milan has an owner-occupancy rate of 66% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Milan - 77% - are primarily heated with electricity. Homes heated with propane 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 | $75,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)