Home Insurance in Buford, Georgia
Homes in Buford carry a median value of $368,700 - close to the Gwinnett County median.
The typical home in Buford was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 10 points above Gwinnett County's 2%.
The housing stock in Buford is 72% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Buford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Buford has an owner-occupancy rate of 68% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
51% of homes in Buford are primarily heated with natural gas.
FEMA rates Gwinnett County's overall risk as Relatively High, led by hail (Relatively High). Gwinnett County had 1,066 active NFIP flood policies as of September 2026. See the full Gwinnett County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $368,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)