Home Insurance in Jersey, Georgia
Homes in Jersey carry a median value of $315,200 - 7% lower than the Walton County median.
The typical home in Jersey was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 25 points above Walton County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jersey is 87% single-family homes and 13% mobile or manufactured homes.
About 38% of owner-occupied homes in Jersey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jersey has an owner-occupancy rate of 67% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
76% of homes in Jersey are primarily heated with electricity.
What's the biggest home insurance risk near Jersey? FEMA's National Risk Index points to tornado (Relatively Moderate) in Walton County and Walton County had 78 active NFIP flood policies as of September 2026. See the full Walton County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $315,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Walton County | 78 |
| 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)