Home Insurance in Berkeley Lake, Georgia
With a median home value of $718,300, Berkeley Lake is 89% higher than the Gwinnett County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Berkeley Lake was built around 1990. About 2% of homes were built before 1960, in line with Gwinnett County (2%).
In Berkeley Lake, the housing stock is 100% single-family homes.
61% of owner-occupied homes in Berkeley Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Berkeley Lake are owner-occupied.
92% of homes in Berkeley Lake are primarily heated with natural gas.
Gwinnett County had 1,066 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Gwinnett County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $718,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gwinnett County | 1,066 |
| 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)