Home Insurance in Irwinton, Georgia
Homes in Irwinton carry a median value of $91,900 - 6% higher than the Wilkinson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Irwinton was built around 1982. About 29% of homes were built before 1960, about 9 points above Wilkinson County's 21%.
In Irwinton, the housing stock is 65% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Irwinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Irwinton are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Irwinton are primarily heated with electricity.
FEMA rates Wilkinson County's overall risk as Very Low, led by hurricane (Relatively Low). Wilkinson County had 1 active NFIP flood policy as of September 2026. See the full Wilkinson 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 | $91,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wilkinson County | 1 |
| 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)