Home Insurance in Haralson, Georgia
The median home value in Haralson is $229,900, 36% lower than the Coweta County median.
The typical home in Haralson was built around 1985. About 41% of homes were built before 1960, about 34 points above Coweta County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Haralson, the housing stock is 84% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Haralson, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Haralson are owner-occupied.
Most homes in Haralson - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Coweta County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Coweta County had 175 active NFIP flood policies as of September 2026. See the full Coweta 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 | $229,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Coweta County | 175 |
| 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)