Home Insurance in Dawson, Georgia
With a median home value of $106,200, Dawson is 10% lower than the Terrell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dawson was built around 1974. About 40% of homes were built before 1960, about 10 points above Terrell County's 30%.
In Dawson, the housing stock is 76% single-family homes, 4% apartments in buildings with 5+ units and 6% 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.
About 31% of owner-occupied homes in Dawson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 37% of occupied homes in Dawson are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dawson - 73% - are primarily heated with electricity.
Terrell County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Terrell 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 | $106,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Terrell County | 10 |
| 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)