Home Insurance in Thomas County, Georgia
With a median home value of $196,700, Thomas County is 35% lower than the Georgia median.
The typical home in Thomas County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 7 points above Georgia's 12%.
In Thomas County, the housing stock is 69% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Thomas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Thomas County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Thomas County, 87% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Thomas County.
As of September 2026, Thomas County has 131 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $196,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 131 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Boston
- Median home value: $158,500
- Median year built: 1985
- Owner-occupied share: 47%
-
Meigs
- Median home value: $69,000
- Median year built: 1981
- Owner-occupied share: 65%
Sources
- 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)