Home Insurance in Hogansville, Georgia
With a median home value of $182,400, Hogansville is 16% lower than the Troup 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 Hogansville was built around 1979. About 37% of homes were built before 1960, about 16 points above Troup County's 21%.
In Hogansville, the housing stock is 89% single-family homes. The rest are 2-4 unit or other housing types.
In Hogansville, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hogansville has an owner-occupancy rate of 59% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
64% of homes in Hogansville are primarily heated with electricity.
FEMA rates Troup County's overall risk as Relatively Low, led by hurricane (Relatively Low). Troup County had 88 active NFIP flood policies as of September 2026. See the full Troup 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 | $182,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Troup County | 88 |
| 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)