Home Insurance in Riverdale, Georgia
With a median home value of $178,800, Riverdale is 20% lower than the Clayton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Riverdale was built around 1990. About 4% of homes were built before 1960, about 4 points below Clayton County's 8%.
Housing in Riverdale breaks down to 67% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Riverdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Riverdale has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Riverdale - 56% - are primarily heated with electricity.
FEMA rates Clayton County's overall risk as Relatively Moderate, led by tornado (Relatively High). Clayton County had 334 active NFIP flood policies as of September 2026. See the full Clayton 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 | $178,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Clayton County | 334 |
| 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)