Home Insurance in Barnesville, Georgia
The median home value in Barnesville is $176,500, 18% lower than the Lamar County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barnesville was built around 1973. About 31% of homes were built before 1960, about 14 points above Lamar County's 17%.
Housing in Barnesville breaks down to 73% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Barnesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Barnesville has an owner-occupancy rate of 49% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Barnesville, 49% of homes are primarily heated with natural gas.
Lamar County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Lamar County had 12 active NFIP flood policies as of September 2026. See the full Lamar 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 | $176,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lamar County | 12 |
| 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)