Home Insurance in Powder Springs, Georgia
Homes in Powder Springs carry a median value of $332,900 - 18% lower than the Cobb County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Powder Springs was built around 1996. About 0% of homes were built before 1960, about 5 points below Cobb County's 5%.
The housing stock in Powder Springs is 95% single-family homes and 3% apartments in buildings with 5+ units.
79% of owner-occupied homes in Powder Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Powder Springs has an owner-occupancy rate of 82% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
78% of homes in Powder Springs 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.
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 | $332,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)