Home Insurance in Oconee, Georgia
The median home value in Oconee is $87,500, 22% lower than the Washington County median.
The typical home in Oconee was built around 1976. About 22% of homes were built before 1960, about 1 point below Washington County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Oconee is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Oconee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Oconee are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Oconee are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Very Low, led by hurricane (Relatively Low). Washington County had 34 active NFIP flood policies as of September 2026. See the full Washington 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 | $87,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Washington County | 34 |
| 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)