Homeowners Insurance in Alpharetta, GA

For a home at Alpharetta's median value of $649,000, we estimate about $3,480 a year — +90% versus the Georgia NAIC average of $1,828.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Alpharetta

Est. premium

$3,480

$290/mo · median home

Median home value

$649,000

Georgia: $303,300

Median year built

1996

Census ACS

Owner-occupied

65.1%

of households

Hazard score

86.5

state ref. 80.5

Alpharetta's estimate reflects its home values (2.1 times the state median) and FEMA's hazard profile for Fulton County.

Natural hazard risk in Alpharetta

FEMA National Risk Index — Fulton County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	95.9	Comprehensive (car); roof claims (home)
Tornado	Relatively High	97.0	Comprehensive; dwelling
Hurricane	Relatively Low	74.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	93.6	Comprehensive; dwelling
Winter weather	Relatively Moderate	72.4	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	52.9	Comprehensive; dwelling
Earthquake	Relatively Moderate	96.0	Home needs a separate earthquake policy
Lightning	Very High	98.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Alpharetta

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,360	$1,250
$300,000	$1,880	$1,730
$500,000	$2,825	$2,600
$750,000	$3,910	$3,595

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Alpharetta

ZIP	Median home value	Owner-occupied	Est. premium
30004	$657,700	74.1%	$3,520
30022	$635,300	76.1%	$3,420
30005	$636,300	68.8%	$3,425
30009	$640,500	61.6%	$3,445

Homeowners insurance in Georgia · Car insurance in Alpharetta · Insurance offices near Alpharetta

Frequently asked questions

How much is homeowners insurance in Alpharetta?

For a home at Alpharetta's median value of $649,000, we estimate about $3,480 a year for a standard HO-3 policy with a $1,000 deductible. The Georgia NAIC average is $1,828.

What are the biggest natural hazards in Alpharetta?

FEMA's National Risk Index rates Fulton County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, and lightning.

Does the age of homes in Alpharetta affect insurance?

Yes. The median home in Alpharetta was built in 1996 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Georgia, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Fulton County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page