Home Insurance in Ashburn, Georgia
Homes in Ashburn carry a median value of $101,000 - close to the Turner County median.
The typical home in Ashburn was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 2 points above Turner County's 25%.
The housing stock in Ashburn is 60% single-family homes, 10% apartments in buildings with 5+ units and 15% 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.
In Ashburn, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Ashburn are owner-occupied.
68% of homes in Ashburn are primarily heated with electricity.
FEMA rates Turner County's overall risk as Very Low, led by hurricane (Relatively Low). Turner County had 8 active NFIP flood policies as of September 2026. See the full Turner 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 | $101,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Turner County | 8 |
| 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)