Home Insurance in Dade County, Georgia
Homes in Dade County carry a median value of $198,500 - 35% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dade County was built around 1987. About 11% of homes were built before 1960, in line with Georgia (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dade County is 76% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 47% of owner-occupied homes in Dade County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dade County has an owner-occupancy rate of 80% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Dade County - 65% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Dade County's top hazards are tornado (Relatively Moderate), earthquake (Very Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dade County has 29 active NFIP flood policies on file.
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 | $198,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Very Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 29 |
| 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)