Home Insurance in Duluth, Georgia
Homes in Duluth carry a median value of $400,800 - 5% higher than the Gwinnett County median.
The typical home in Duluth was built around 1994. About 1% of homes were built before 1960, in line with Gwinnett County (2%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Duluth breaks down to 64% single-family homes and 32% apartments in buildings with 5+ units.
In Duluth, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Duluth are owner-occupied.
64% of homes in Duluth 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.
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 | $400,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)