Home Insurance in Dawsonville, Georgia
Homes in Dawsonville carry a median value of $362,900 - 11% lower than the Dawson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dawsonville was built around 2006. About 6% of homes were built before 1960, about 2 points above Dawson County's 5%.
In Dawsonville, the housing stock is 82% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
85% of owner-occupied homes in Dawsonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Dawsonville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dawsonville, 48% of homes are primarily heated with electricity.
Dawson County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Dawson 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 | $362,900 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Dawson County | 42 |
| 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)