Home Insurance in Coolidge, Georgia
With a median home value of $158,400, Coolidge is 19% lower than the Thomas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Coolidge was built around 1974. About 35% of homes were built before 1960, about 16 points above Thomas County's 19%.
In Coolidge, the housing stock is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Coolidge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Coolidge are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Coolidge - 93% - are primarily heated with electricity.
FEMA rates Thomas County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Thomas County had 131 active NFIP flood policies as of September 2026. See the full Thomas 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 | $158,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Thomas County | 131 |
| 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)