Sugar Hill has seen rapid new residential development, particularly along GA-20 and toward the Forsyth County line. New construction in Sugar Hill ranges from townhome communities to single-family custom homes. Standard homeowners policies for new construction should be set at replacement cost, not purchase price. Georgia construction costs rose 35 to 45 percent between 2020 and 2024, which means families who set their coverage at purchase price and have not reviewed it since are likely underinsured. Water backup coverage is worth adding given Sugar Hill's growing storm drainage infrastructure. And Lake Lanier proximity for northern Sugar Hill properties means flood zone verification matters before finalizing coverage.