Home Insurance in Sharpsburg, Georgia
Homes in Sharpsburg carry a median value of $292,300 - 18% lower than the Coweta 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 Sharpsburg was built around 1991. About 20% of homes were built before 1960, about 12 points above Coweta County's 7%.
The housing stock in Sharpsburg is 85% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 79% of owner-occupied homes in Sharpsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Sharpsburg are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sharpsburg, 62% of homes are primarily heated with electricity.
Coweta County had 175 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Coweta 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 | $292,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)