Home Insurance in LaGrange, Georgia
The median home value in LaGrange is $216,300, close to the Troup County median.
The typical home in LaGrange was built around 1982. About 26% of homes were built before 1960, about 5 points above Troup County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in LaGrange is 62% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in LaGrange have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 40% of occupied homes in LaGrange are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in LaGrange - 75% - 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.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $216,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)