Home Insurance in Ochlocknee, Georgia
The median home value in Ochlocknee is $135,400, 31% lower than the Thomas County median.
The typical home in Ochlocknee was built around 1983. About 27% of homes were built before 1960, about 8 points above Thomas County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ochlocknee is 60% single-family homes and 36% mobile or manufactured homes.
About 48% of owner-occupied homes in Ochlocknee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Ochlocknee are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 94% of homes in Ochlocknee are primarily heated with electricity.
What's the biggest home insurance risk near Ochlocknee? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Thomas County and 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.
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 | $135,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)