Home Insurance in Smyrna, Georgia
With a median home value of $449,500, Smyrna is 10% higher than the Cobb County median.
The typical home in Smyrna was built around 1990. About 10% of homes were built before 1960, about 4 points above Cobb County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Smyrna breaks down to 63% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 78% of owner-occupied homes in Smyrna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Smyrna are owner-occupied.
63% of homes in Smyrna are primarily heated with natural gas.
What's the biggest home insurance risk near Smyrna? 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.
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 | $449,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)