Home Insurance in Atlanta, Georgia
With a median home value of $439,600, Atlanta is close to the Fulton County median.
The typical home in Atlanta was built around 1989. About 25% of homes were built before 1960, about 10 points above Fulton County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Atlanta is 41% single-family homes and 52% apartments in buildings with 5+ units.
In Atlanta, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Atlanta has an owner-occupancy rate of 46% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Atlanta - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Atlanta? FEMA's National Risk Index points to inland flooding (Relatively High) in Fulton County and 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.
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 | $439,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 46% |
| 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)