Home Insurance in Oakwood, Georgia
The median home value in Oakwood is $306,700, 12% lower than the Hall County median.
The typical home in Oakwood was built around 2004. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 8 points below Hall County's 8%.
The housing stock in Oakwood is 54% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Oakwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 44% of occupied homes in Oakwood are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Oakwood are primarily heated with electricity.
Hall County had 106 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Hall 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 | $306,700 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hall County | 106 |
| 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)