Home Insurance in Stone Mountain, Georgia
With a median home value of $206,400, Stone Mountain is 42% lower than the DeKalb County median.
The typical home in Stone Mountain was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 4 points below DeKalb County's 15%.
Housing in Stone Mountain breaks down to 72% single-family homes and 20% apartments in buildings with 5+ units.
65% of owner-occupied homes in Stone Mountain carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stone Mountain has an owner-occupancy rate of 50% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Stone Mountain, 50% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Stone Mountain? 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.
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 | $206,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)