Home Insurance in Pine Lake, Georgia
With a median home value of $296,200, Pine Lake is 17% lower than the DeKalb County median.
The typical home in Pine Lake was built around 1953. About 62% of homes were built before 1960, about 47 points above DeKalb County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Pine Lake breaks down to 82% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 78% of owner-occupied homes in Pine Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Pine Lake are owner-occupied.
67% of homes in Pine Lake are primarily heated with natural gas.
What's the biggest home insurance risk near Pine Lake? 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 | $296,200 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)