Home Insurance in Alpharetta, Georgia
The median home value in Alpharetta is $649,000, 41% higher than the Fulton County median.
The typical home in Alpharetta was built around 1996. About 1% of homes were built before 1960, about 14 points below Fulton County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Alpharetta is 67% single-family homes and 30% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Alpharetta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Alpharetta are owner-occupied.
In Alpharetta, 60% of homes are primarily heated with natural gas.
Fulton County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Fulton County had 3,208 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $649,000 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Fulton County | 3,208 |
| 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)