Home Insurance in Wilkes County, Georgia
The median home value in Wilkes County is $122,700, 60% lower than the Georgia median.
The typical home in Wilkes County was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 13 points above Georgia's 12%.
The housing stock in Wilkes County is 67% single-family homes, 4% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Wilkes County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilkes County has an owner-occupancy rate of 66% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
53% of homes in Wilkes County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Wilkes County's top hazards are hurricane (Relatively Low), earthquake (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Wilkes County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $122,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| 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)