Home Insurance in Sharon, Georgia
The median home value in Sharon is $58,600, 15% lower than the Taliaferro County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sharon was built around 1972. About 38% of homes were built before 1960, about 4 points above Taliaferro County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sharon is 46% single-family homes, 4% apartments in buildings with 5+ units and 50% mobile or manufactured homes.
About 15% of owner-occupied homes in Sharon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sharon has an owner-occupancy rate of 70% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Sharon, 43% of homes are primarily heated with electricity.
Taliaferro County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Taliaferro 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 | $58,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Taliaferro County | 1 |
| 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)