Home Insurance in Worth County, Georgia
Homes in Worth County carry a median value of $104,900 - 65% lower than the Georgia median.
The typical home in Worth County was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 5 points above Georgia's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Worth County is 60% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes.
In Worth County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Worth County has an owner-occupancy rate of 74% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Worth County - 82% - are primarily heated with electricity.
The top hazards for Worth County, per FEMA's National Risk Index, are hurricane (Relatively Low), tornado (Relatively Moderate) and wildfire (Very Low).
Worth County had 63 active National Flood Insurance Program policies as of September 2026. 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 | $104,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 63 |
| 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)