Home Insurance in Loganville, Georgia
The median home value in Loganville is $366,100, 8% higher than the Walton County median.
The typical home in Loganville was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 6 points below Walton County's 8%.
The housing stock in Loganville is 89% single-family homes, 2% 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 76% of owner-occupied homes in Loganville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Loganville are owner-occupied.
Most homes in Loganville - 55% - are primarily heated with natural gas.
Walton County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Walton County had 78 active NFIP flood policies as of September 2026. See the full Walton 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 | $366,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Walton County | 78 |
| 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)