Home Insurance in Auburn, Georgia
The median home value in Auburn is $299,700, close to the Barrow County median.
The typical home in Auburn was built around 1994. About 4% of homes were built before 1960, about 3 points below Barrow County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Auburn is 83% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Auburn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Auburn are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Auburn are primarily heated with electricity.
Barrow County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Barrow County had 41 active NFIP flood policies as of September 2026. See the full Barrow 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 | $299,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Barrow County | 41 |
| 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)