Home Insurance in Thomaston, Georgia
Homes in Thomaston carry a median value of $211,000 - 25% higher than the Upson County median.
The typical home in Thomaston was built around 1963. About 47% of homes were built before 1960, about 15 points above Upson County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Thomaston, the housing stock is 67% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Thomaston, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 35% of occupied homes in Thomaston are owner-occupied.
In Thomaston, 62% of homes are primarily heated with electricity.
FEMA rates Upson County's overall risk as Very Low, led by hurricane (Relatively Low). Upson County had 19 active NFIP flood policies as of September 2026. See the full Upson 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 | $211,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Upson County | 19 |
| 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)