Home Insurance in Twiggs County, Georgia
With a median home value of $111,300, Twiggs County is 63% lower than the Georgia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Twiggs County was built around 1984. About 15% of homes were built before 1960, about 3 points above Georgia's 12%.
In Twiggs County, the housing stock is 59% single-family homes, 1% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Twiggs County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Twiggs County has an owner-occupancy rate of 88% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Twiggs County - 74% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Twiggs County, per FEMA's National Risk Index, are hurricane (Relatively Low), wildfire (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Twiggs County has 1 active NFIP flood policy on file.
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 | $111,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
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)