Home Insurance in Tignall, Georgia
With a median home value of $71,000, Tignall is 42% lower than the Wilkes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tignall was built around 1977. About 25% of homes were built before 1960, in line with Wilkes County (25%).
The housing stock in Tignall is 47% single-family homes, 22% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Tignall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Tignall are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Tignall are primarily heated with electricity.
What's the biggest home insurance risk near Tignall? FEMA's National Risk Index points to hurricane (Relatively Low) in Wilkes County and Wilkes County had 2 active NFIP flood policies as of September 2026. See the full Wilkes 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 | $71,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wilkes County | 2 |
| 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)