Home Insurance in Dunwoody, Georgia
The median home value in Dunwoody is $602,900, 69% higher than the DeKalb County median.
The typical home in Dunwoody was built around 1984. About 3% of homes were built before 1960, about 13 points below DeKalb County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Dunwoody breaks down to 51% single-family homes and 48% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Dunwoody have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Dunwoody are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dunwoody - 57% - are primarily heated with natural gas.
FEMA rates DeKalb County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $602,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)