Home Insurance in Austell, Georgia
Homes in Austell carry a median value of $284,900 - 30% lower than the Cobb County median.
The typical home in Austell was built around 1993. About 14% of homes were built before 1960, about 9 points above Cobb County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Austell breaks down to 83% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Austell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Austell has an owner-occupancy rate of 65% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Austell, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Austell? FEMA's National Risk Index points to tornado (Relatively High) in Cobb County and Cobb County had 2,422 active NFIP flood policies as of September 2026. See the full Cobb 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 | $284,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Cobb County | 2,422 |
| 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)