Home Insurance in Temple, Georgia
The median home value in Temple is $232,800, 9% lower than the Carroll County median.
The typical home in Temple was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 2 points below Carroll County's 12%.
The housing stock in Temple is 88% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 72% of owner-occupied homes in Temple have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Temple are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Temple - 50% - are primarily heated with natural gas.
FEMA rates Carroll County's overall risk as Relatively Low, led by tornado (Relatively High). Carroll County had 147 active NFIP flood policies as of September 2026. See the full Carroll 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 | $232,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Carroll County | 147 |
| 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)