Home Insurance in Aragon, Georgia
The median home value in Aragon is $161,900, 14% lower than the Polk County median.
The typical home in Aragon was built around 1960. About 50% of homes were built before 1960, about 26 points above Polk County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Aragon, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Aragon, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aragon has an owner-occupancy rate of 61% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Aragon - 69% - are primarily heated with electricity.
Polk County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Polk County had 114 active NFIP flood policies as of September 2026. See the full Polk 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 | $161,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Polk County | 114 |
| 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)