Home Insurance in Grayson, Georgia
The median home value in Grayson is $477,500, 25% higher than the Gwinnett County median.
The typical home in Grayson was built around 2012. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 2 points above Gwinnett County's 2%.
The housing stock in Grayson is 96% single-family homes and 2% apartments in buildings with 5+ units.
In Grayson, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Grayson are owner-occupied.
In Grayson, 80% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $477,500 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)