Home Insurance in Newnan, Georgia
The median home value in Newnan is $364,700, close to the Coweta County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Newnan was built around 2004. About 12% of homes were built before 1960, about 5 points above Coweta County's 7%.
Housing in Newnan breaks down to 67% single-family homes and 25% apartments in buildings with 5+ units.
72% of owner-occupied homes in Newnan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Newnan are owner-occupied.
53% of homes in Newnan are primarily heated with electricity.
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.
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 | $364,700 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)