Home Insurance in College Park, Georgia
The median home value in College Park is $325,800, 29% lower than the Fulton County median.
The typical home in College Park was built around 1972. About 24% of homes were built before 1960, about 9 points above Fulton County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In College Park, the housing stock is 30% single-family homes and 59% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in College Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 21% of occupied homes in College Park are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in College Park are primarily heated with electricity.
What's the biggest home insurance risk near College Park? 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.
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 | $325,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 21% |
| 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)