Home Insurance in DeKalb County, Georgia
The median home value in DeKalb County is $357,800, 18% higher than the Georgia median.
The typical home in DeKalb County was built around 1984. About 15% of homes were built before 1960, about 3 points above Georgia's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In DeKalb County, the housing stock is 64% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in DeKalb County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in DeKalb County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In DeKalb County, 58% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), inland flooding (Relatively High) and tornado (Relatively High) as the leading hazards for DeKalb County.
As of September 2026, DeKalb County has 2,938 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $357,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Inland Flooding (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 2,938 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
- Avondale Estates
- Brookhaven
- Chamblee
- Clarkston
- Decatur
- Doraville
- Dunwoody
- Lithonia
- Pine Lake
- Stone Mountain
- Stonecrest
- Tucker
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)