Home Insurance in Villa Rica, Georgia
Homes in Villa Rica carry a median value of $274,200 - 7% higher than the Carroll County median.
The typical home in Villa Rica was built around 2003. 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 3 points below Carroll County's 12%.
The housing stock in Villa Rica is 80% single-family homes and 12% apartments in buildings with 5+ units.
81% of owner-occupied homes in Villa Rica carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Villa Rica has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
49% of homes in Villa Rica are primarily heated with electricity.
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 | $274,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)