Home Insurance in Abbeville, Georgia
With a median home value of $79,600, Abbeville is 9% lower than the Wilcox County median.
The typical home in Abbeville was built around 1981. About 20% of homes were built before 1960, about 2 points below Wilcox County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Abbeville is 54% single-family homes, 4% apartments in buildings with 5+ units and 31% 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.
22% of owner-occupied homes in Abbeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Abbeville are owner-occupied.
97% of homes in Abbeville are primarily heated with electricity.
Wilcox County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Wilcox County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $79,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wilcox County | 7 |
| 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)