Home Insurance in Fayetteville, Georgia
With a median home value of $368,200, Fayetteville is 16% lower than the Fayette County median.
The typical home in Fayetteville was built around 1999. About 0% of homes were built before 1960, about 1 point below Fayette County's 1%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Fayetteville is 74% single-family homes and 17% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Fayetteville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Fayetteville are owner-occupied.
In Fayetteville, 72% of homes are primarily heated with natural gas.
Fayette County had 439 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Fayette 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 | $368,200 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Fayette County | 439 |
| 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)