Home Insurance in Oxford, Georgia
The median home value in Oxford is $208,000, 22% lower than the Newton County median.
The typical home in Oxford was built around 1970. About 31% of homes were built before 1960, about 24 points above Newton County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oxford is 90% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Oxford are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Oxford are primarily heated with electricity.
FEMA rates Newton County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Newton County had 111 active NFIP flood policies as of September 2026. See the full Newton 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 | $208,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Newton County | 111 |
| 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)