Home Insurance in Bremen, Georgia
The median home value in Bremen is $289,500, 27% higher than the Haralson County median.
The typical home in Bremen was built around 1997. About 24% of homes were built before 1960, about 9 points above Haralson County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bremen breaks down to 88% single-family homes and 5% apartments in buildings with 5+ units.
In Bremen, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Bremen are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Bremen are primarily heated with electricity.
FEMA rates Haralson County's overall risk as Very Low, led by wildfire (Relatively Low). Haralson County had 9 active NFIP flood policies as of September 2026. See the full Haralson 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 | $289,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Haralson County | 9 |
| 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)