Home Insurance in Danville, Georgia
The median home value in Danville is $120,800, 9% higher than the Twiggs County median.
The typical home in Danville was built around 1974. About 40% of homes were built before 1960, about 25 points above Twiggs County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Danville is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Danville, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Danville has an owner-occupancy rate of 65% and a vacancy rate of 56%; unoccupied homes typically need a different coverage form.
73% of homes in Danville 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.
FEMA rates Twiggs County's overall risk as Very Low, led by hurricane (Relatively Low). Twiggs County had 1 active NFIP flood policy as of September 2026. See the full Twiggs 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 | $120,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Twiggs County | 1 |
| 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)