Home Insurance in Decatur, Georgia
With a median home value of $701,400, Decatur is 96% higher than the DeKalb County median.
The typical home in Decatur was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 26 points above DeKalb County's 15%.
The housing stock in Decatur is 56% single-family homes and 37% apartments in buildings with 5+ units.
69% of owner-occupied homes in Decatur carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Decatur are owner-occupied.
In Decatur, 51% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Decatur? 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.
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 | $701,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)