Home Insurance in Peachtree City, Georgia
Homes in Peachtree City carry a median value of $482,500 - 11% higher than the Fayette County median.
The typical home in Peachtree City was built around 1993. 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.
In Peachtree City, the housing stock is 80% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Peachtree City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Peachtree City are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Peachtree City - 65% - 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.
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 | $482,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)