Home Insurance in Pavo, Georgia
With a median home value of $120,700, Pavo is 39% lower than the Thomas County median.
The typical home in Pavo was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 23 points above Thomas County's 19%.
The housing stock in Pavo is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Pavo 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 73% of occupied homes in Pavo are owner-occupied.
93% of homes in Pavo are primarily heated with electricity.
What's the biggest home insurance risk near Pavo? 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 | $120,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)