Home Insurance in Brookhaven, Georgia
With a median home value of $692,700, Brookhaven is 94% higher than the DeKalb County median.
The typical home in Brookhaven was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 3 points below DeKalb County's 15%.
The housing stock in Brookhaven is 49% single-family homes and 47% apartments in buildings with 5+ units.
In Brookhaven, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Brookhaven are owner-occupied.
53% of homes in Brookhaven are primarily heated with natural gas.
DeKalb County had 2,938 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full DeKalb 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 | $692,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in DeKalb County | 2,938 |
| 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)