Home Insurance in Chamblee, Georgia
The median home value in Chamblee is $432,800, 21% higher than the DeKalb County median.
The typical home in Chamblee was built around 1984. About 13% of homes were built before 1960, about 2 points below DeKalb County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Chamblee, the housing stock is 43% single-family homes and 50% apartments in buildings with 5+ units.
In Chamblee, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 40% of occupied homes in Chamblee are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chamblee, 52% of homes are primarily heated with natural gas.
DeKalb County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. DeKalb County had 2,938 active NFIP flood policies as of September 2026. See the full DeKalb County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $432,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)