Home Insurance in Gwinnett County, Georgia
Homes in Gwinnett County carry a median value of $380,900 - 26% higher than the Georgia median.
The typical home in Gwinnett County was built around 1996. About 2% of homes were built before 1960, about 10 points below Georgia's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gwinnett County, the housing stock is 77% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
70% of owner-occupied homes in Gwinnett County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Gwinnett County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gwinnett County - 61% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Gwinnett County's top hazards are hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively High).
As of September 2026, Gwinnett County has 1,066 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $380,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,066 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
- Berkeley Lake
- Buford
- Dacula
- Duluth
- Grayson
- Lawrenceville
- Lilburn
- Norcross
- Peachtree Corners
- Rest Haven
- Snellville
- Sugar Hill
- Suwanee
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)