Home Insurance in Odum, Georgia
With a median home value of $90,000, Odum is 45% lower than the Wayne County median.
The typical home in Odum was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 22 points above Wayne County's 15%.
The housing stock in Odum is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Odum, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Odum has an owner-occupancy rate of 80% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Odum, 86% of homes are primarily heated with electricity.
Wayne County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Wayne 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 | $90,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Wayne County | 67 |
| 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)