Home Insurance in Sugar Hill, Georgia
With a median home value of $413,400, Sugar Hill is 9% higher than the Gwinnett County median.
The typical home in Sugar Hill was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, in line with Gwinnett County (2%).
In Sugar Hill, the housing stock is 87% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 72% of owner-occupied homes in Sugar Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sugar Hill has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
64% of homes in Sugar Hill are primarily heated with natural gas.
What's the biggest home insurance risk near Sugar Hill? 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.
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 | $413,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)