Home Insurance in Clarkston, Georgia
The median home value in Clarkston is $302,600, 15% lower than the DeKalb County median.
The typical home in Clarkston was built around 1979. About 11% of homes were built before 1960, about 4 points below DeKalb County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clarkston, the housing stock is 24% single-family homes and 54% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Clarkston, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 18% of occupied homes in Clarkston are owner-occupied.
Most homes in Clarkston - 54% - are primarily heated with electricity.
What's the biggest home insurance risk near Clarkston? FEMA's National Risk Index points to hail (Relatively High) in DeKalb County and 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.
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 | $302,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 18% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)