Home Insurance in Marietta, Georgia
With a median home value of $448,500, Marietta is 10% higher than the Cobb County median.
The typical home in Marietta was built around 1987. About 10% of homes were built before 1960, about 5 points above Cobb County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Marietta is 55% single-family homes and 40% apartments in buildings with 5+ units.
In Marietta, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Marietta are owner-occupied.
61% of homes in Marietta are primarily heated with natural gas.
Cobb County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $448,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)