Home Insurance in Fairburn, Georgia
Homes in Fairburn carry a median value of $271,800 - 41% lower than the Fulton County median.
The typical home in Fairburn was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 10 points below Fulton County's 15%.
The housing stock in Fairburn is 72% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Fairburn, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Fairburn are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fairburn - 51% - are primarily heated with electricity.
Fulton County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Fulton County had 3,208 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $271,800 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Fulton County | 3,208 |
| 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)