Home Insurance in Dacula, Georgia
Homes in Dacula carry a median value of $359,000 - 6% lower than the Gwinnett County median.
The typical home in Dacula was built around 1999. About 3% of homes were built before 1960, about 1 point above Gwinnett County's 2%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Dacula breaks down to 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
77% of owner-occupied homes in Dacula carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Dacula are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dacula, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Dacula? FEMA's National Risk Index points to hail (Relatively High) in Gwinnett County and 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.
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 | $359,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)