Home Insurance in Ball Ground, Georgia
The median home value in Ball Ground is $366,300, 16% lower than the Cherokee County median.
The typical home in Ball Ground was built around 2007. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 11 points above Cherokee County's 3%.
Housing in Ball Ground breaks down to 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Ball Ground, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Ball Ground are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Ball Ground are primarily heated with natural gas.
FEMA rates Cherokee County's overall risk as Relatively Moderate, led by tornado (Relatively High). Cherokee County had 273 active NFIP flood policies as of September 2026. See the full Cherokee 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 | $366,300 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Cherokee County | 273 |
| 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)