Home Insurance in Scotland, Georgia
Homes in Scotland carry a median value of $102,500 - 10% lower than the Telfair County median.
The typical home in Scotland was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 17 points below 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 Scotland is 62% single-family homes and 38% mobile or manufactured homes.
37% of owner-occupied homes in Scotland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Scotland are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Scotland - 97% - are primarily heated with electricity.
Telfair County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $102,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)