Home Insurance in Mountain Park, Georgia
With a median home value of $371,600, Mountain Park is 19% lower than the Fulton County median.
The typical home in Mountain Park was built around 1983. About 28% of homes were built before 1960, about 13 points above Fulton County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Mountain Park breaks down to 100% single-family homes.
In Mountain Park, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Mountain Park are owner-occupied.
Most homes in Mountain Park - 81% - are primarily heated with natural gas.
FEMA rates Fulton County's overall risk as Relatively High, led by inland flooding (Relatively High). 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 | $371,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)