Home Insurance in Paulding County, Georgia
The median home value in Paulding County is $326,300, 8% higher than the Georgia median.
The typical home in Paulding County was built around 2002. About 4% of homes were built before 1960, about 8 points below Georgia's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Paulding County, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 76% of owner-occupied homes in Paulding County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Paulding County has an owner-occupancy rate of 81% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Paulding County - 52% - are primarily heated with natural gas.
The top hazards for Paulding County, per FEMA's National Risk Index, are tornado (Relatively Moderate), inland flooding (Relatively Moderate) and hail (Relatively Low).
Paulding County had 149 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $326,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 149 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)