Home Insurance in Newton, Georgia
The median home value in Newton is $87,700, 27% lower than the Baker 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 Newton was built around 1979. About 22% of homes were built before 1960, in line with Baker County (21%).
The housing stock in Newton is 53% single-family homes and 37% 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.
In Newton, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Newton has an owner-occupancy rate of 55% and a vacancy rate of 26%; 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. In Newton, 85% of homes are primarily heated with electricity.
Baker County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Baker County had 17 active NFIP flood policies as of September 2026. See the full Baker 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 | $87,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Baker County | 17 |
| 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)