Home Insurance in Hiram, Georgia
Homes in Hiram carry a median value of $303,200 - 7% lower than the Paulding County median.
The typical home in Hiram was built around 2004. About 10% of homes were built before 1960, about 7 points above Paulding County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hiram is 96% single-family homes and 4% apartments in buildings with 5+ units.
70% of owner-occupied homes in Hiram carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Hiram are owner-occupied.
49% of homes in Hiram are primarily heated with natural gas.
What's the biggest home insurance risk near Hiram? FEMA's National Risk Index points to tornado (Relatively Moderate) in Paulding County and Paulding County had 149 active NFIP flood policies as of September 2026. See the full Paulding 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 | $303,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Paulding County | 149 |
| 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)