Home Insurance in Jeffersonville, Georgia
Homes in Jeffersonville carry a median value of $114,600 - close to the Twiggs County median.
The typical home in Jeffersonville was built around 1968. About 39% of homes were built before 1960, about 25 points above Twiggs County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jeffersonville, the housing stock is 64% single-family homes, 10% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Jeffersonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Jeffersonville are owner-occupied.
In Jeffersonville, 67% of homes are primarily heated with electricity.
Twiggs County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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.
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 | $114,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)