Home Insurance in Hapeville, Georgia
Homes in Hapeville carry a median value of $312,100 - 32% lower than the Fulton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hapeville was built around 1963. About 45% of homes were built before 1960, about 30 points above Fulton County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hapeville is 63% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Hapeville, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hapeville has an owner-occupancy rate of 56% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Hapeville, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hapeville? 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 | $312,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)