Home Insurance in Carl, Georgia
The median home value in Carl is $330,900, 12% higher than the Barrow County median.
The typical home in Carl was built around 1974. About 11% of homes were built before 1960, about 4 points above Barrow County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Carl is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Carl, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Carl are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carl, 44% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Carl? FEMA's National Risk Index points to tornado (Relatively Moderate) in Barrow County and 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.
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 | $330,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)