Home Insurance in Fulton County, Georgia
Homes in Fulton County carry a median value of $458,800 - 51% higher than the Georgia median.
The typical home in Fulton County was built around 1993. About 15% of homes were built before 1960, about 3 points above Georgia's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Fulton County breaks down to 54% single-family homes and 41% apartments in buildings with 5+ units.
72% of owner-occupied homes in Fulton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Fulton County are owner-occupied.
49% of homes in Fulton County are primarily heated with electricity.
The top hazards for Fulton County, per FEMA's National Risk Index, are inland flooding (Relatively High), tornado (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Fulton County has 3,208 active NFIP flood policies on file.
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 | $458,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Tornado (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,208 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alpharetta
- Atlanta
- Chattahoochee Hills
- College Park
- East Point
- Fairburn
- Hapeville
- Johns Creek
- Milton
- Mountain Park
- Palmetto
- Roswell
- Sandy Springs
- South Fulton
- Union City
Sources
- 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)