Home Insurance in Cumming, Georgia
With a median home value of $382,900, Cumming is 30% lower than the Forsyth County median.
The typical home in Cumming was built around 1998. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, in line with Forsyth County (2%).
In Cumming, the housing stock is 63% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Cumming carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cumming has an owner-occupancy rate of 48% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Cumming, 49% of homes are primarily heated with electricity.
Forsyth County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Forsyth County had 237 active NFIP flood policies as of September 2026. See the full Forsyth 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 | $382,900 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Forsyth County | 237 |
| 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)