InsureWatch

30319

High65

Brookhaven, Georgia — DeKalb County

Pop. 45,025Median Income $127,776Median Home $660,800
0/ 100High Risk

2025 Estimated Premium

$3,077/yr

+16.5% from 2022 actual ($2,642)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,642

+4.1%

2018–2025

Nonrenewal Rate

1.47%

2018–2022

Claim Frequency

6.1%

Avg Claim Amount

$18,614

Score Breakdown

Premium Level (25%)91
Premium Trend (20%)70
Nonrenewal Risk (20%)76
Storm Exposure (15%)33
Affordability (10%)45
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201810 events
Property damage$55,000
4 hail
19
20195 events
Property damage$83,000
1 hail
20
202017 events
Property damage$363,000
1 tornado2 flood
21
202112 events
Property damage$4,055,000
5 hail3 flood
22
20227 events
Property damage$7,000
1 flood
23
202338 events
Property damage$15,000
1 tornado4 flood
24
202443 events
Property damage$265,000
1 tornado
25
20253 events
Property damage$10,000

Nearby ZIP Codes

30342Sandy Springs, GA
69High
30326Atlanta, GA
72High
30341Chamblee, GA
53Elevated
30345Chamblee, GA
64High
30329North Druid Hills, GA
66High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.