Home Insurance in South Fulton, Georgia
Homes in South Fulton carry a median value of $309,800 - 32% lower than the Fulton County median.
The typical home in South Fulton was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 12 points below Fulton County's 15%.
The housing stock in South Fulton is 85% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in South Fulton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Fulton has an owner-occupancy rate of 72% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in South Fulton - 55% - are primarily heated with natural gas.
Fulton County had 3,208 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $309,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)