Home Insurance in McDonough, Georgia
Homes in McDonough carry a median value of $314,600 - close to the Henry County median.
The typical home in McDonough was built around 2006. About 4% of homes were built before 1960, about 1 point above Henry County's 3%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in McDonough is 71% single-family homes and 22% apartments in buildings with 5+ units.
About 79% of owner-occupied homes in McDonough have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in McDonough are owner-occupied.
59% of homes in McDonough are primarily heated with electricity.
Henry County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Henry County had 350 active NFIP flood policies as of September 2026. See the full Henry 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 | $314,600 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Henry County | 350 |
| 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)