Home Insurance in Ware County, Georgia
Homes in Ware County carry a median value of $109,500 - 64% lower than the Georgia median.
The typical home in Ware County was built around 1978. About 23% of homes were built before 1960, about 11 points above Georgia's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ware County is 66% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
43% of owner-occupied homes in Ware County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Ware County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
88% of homes in Ware County are primarily heated with electricity.
The top hazards for Ware County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Ware County had 151 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $109,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 151 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)