Home Insurance in East Point, Georgia
Homes in East Point carry a median value of $281,600 - 39% lower than the Fulton County median.
The typical home in East Point was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 20 points above Fulton County's 15%.
The housing stock in East Point is 56% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in East Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in East Point are owner-occupied.
Most homes in East Point - 52% - are primarily heated with electricity.
What's the biggest home insurance risk near East Point? 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 | $281,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)