Home Insurance in Dallas, Georgia
Homes in Dallas carry a median value of $251,800 - 23% lower than the Paulding County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dallas was built around 2002. About 10% of homes were built before 1960, about 6 points above Paulding County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dallas is 69% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Dallas, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Dallas are owner-occupied.
57% of homes in Dallas are primarily heated with electricity.
FEMA rates Paulding County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Paulding County had 149 active NFIP flood policies as of September 2026. See the full Paulding 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 | $251,800 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Paulding County | 149 |
| 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)