Home Insurance in Fairmount, Georgia
With a median home value of $135,200, Fairmount is 39% lower than the Gordon County median.
The typical home in Fairmount was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 13 points above Gordon County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairmount is 86% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Fairmount, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Fairmount are owner-occupied.
In Fairmount, 49% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Gordon County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Gordon County had 144 active NFIP flood policies as of September 2026. See the full Gordon County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $135,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Gordon County | 144 |
| 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)