Home Insurance in Haralson County, Georgia
With a median home value of $227,500, Haralson County is 25% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Haralson County was built around 1989. About 15% of homes were built before 1960, about 4 points above Georgia's 12%.
In Haralson County, the housing stock is 75% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Haralson County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Haralson County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Haralson County, 55% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Relatively Low) and tornado (Relatively Low) as the leading hazards for Haralson County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Haralson County has 9 active NFIP flood policies on file.
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 | $227,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
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Tallapoosa
- Median home value: $185,100
- Median year built: 1978
- Owner-occupied share: 55%
-
Waco
- Median home value: $158,500
- Median year built: 1983
- Owner-occupied share: 48%
Sources
- 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)