Home Insurance in Cobb County, Georgia
Homes in Cobb County carry a median value of $407,200 - 34% higher than the Georgia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cobb County was built around 1990. About 5% of homes were built before 1960, about 6 points below Georgia's 12%.
Housing in Cobb County breaks down to 74% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
71% of owner-occupied homes in Cobb County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Cobb County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cobb County, 68% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Cobb County's top hazards are tornado (Relatively High), hail (Relatively High) and inland flooding (Relatively High).
Cobb County had 2,422 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $407,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 2,422 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)