Home Insurance in Sparks, Georgia
The median home value in Sparks is $86,300, 45% lower than the Cook County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sparks was built around 1980. About 20% of homes were built before 1960, about 4 points above Cook County's 16%.
The housing stock in Sparks is 46% single-family homes and 52% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Sparks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sparks has an owner-occupancy rate of 44% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Sparks - 96% - are primarily heated with electricity.
Cook County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Cook 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 | $86,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Cook County | 78 |
| 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)