Home Insurance in Waycross, Georgia
The median home value in Waycross is $84,100, 23% lower than the Ware County median.
The typical home in Waycross was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 12 points above Ware County's 23%.
The housing stock in Waycross is 65% single-family homes, 14% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Waycross, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Waycross are owner-occupied.
87% of homes in Waycross are primarily heated with electricity.
Ware County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Ware County had 151 active NFIP flood policies as of September 2026. See the full Ware 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 | $84,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Ware County | 151 |
| 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)