Home Insurance in Cartersville, Georgia
Homes in Cartersville carry a median value of $338,200 - 17% higher than the Bartow County median.
The typical home in Cartersville was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 8 points above Bartow County's 11%.
Housing in Cartersville breaks down to 77% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Cartersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Cartersville are owner-occupied.
In Cartersville, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cartersville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Bartow County and Bartow County had 200 active NFIP flood policies as of September 2026. See the full Bartow 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 | $338,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bartow County | 200 |
| 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)