Home insurance costs & natural hazards in Georgia
Plain facts for Georgia homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Georgia at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Georgia pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Georgia ZIP code saw homeowners premiums of $1,635 per policy in 2022, 5% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 4% between 2018 and 2022. The figures come from 630 Georgia ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 56,521 single-family NFIP policies took effect in Georgia in 2025, at an average full cost of $1,084, compared with $850 in 2022. About 52% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Georgia's 159 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, tornado and ice storm. Open any county for its full hazard profile.
Hazards across Georgia's counties
Georgia counties
All 159 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Appling County | $1,492 | $768 | Relatively Low |
| Atkinson County | $1,340 | — | Very Low |
| Bacon County | $1,374 | — | Very Low |
| Baker County | — | $1,769 | Very Low |
| Baldwin County | $1,546 | $1,043 | Relatively Low |
| Banks County | $1,513 | — | Very Low |
| Barrow County | $1,517 | $991 | Relatively Low |
| Bartow County | $1,739 | $992 | Relatively Low |
| Ben Hill County | $1,528 | $857 | Very Low |
| Berrien County | $1,400 | $781 | Very Low |
| Bibb County | $1,696 | $869 | Relatively Low |
| Bleckley County | $1,476 | $790 | Very Low |
| Brantley County | $1,432 | $1,024 | Very Low |
| Brooks County | $1,614 | $1,142 | Very Low |
| Bryan County | $1,761 | $1,093 | Relatively Low |
| Bulloch County | $1,648 | $1,015 | Relatively Low |
| Burke County | $1,748 | $799 | Very Low |
| Butts County | $1,617 | $1,383 | Very Low |
| Calhoun County | $1,541 | — | Very Low |
| Camden County | $1,948 | $944 | Relatively Low |
| Candler County | $1,632 | $1,138 | Very Low |
| Carroll County | $1,600 | $1,096 | Relatively Low |
| Catoosa County | $1,477 | $1,107 | Relatively Low |
| Charlton County | $1,437 | $879 | Very Low |
| Chatham County | $2,100 | $1,091 | Relatively High |
| Chattahoochee County | $1,426 | — | Very Low |
| Chattooga County | $1,549 | $1,370 | Relatively Low |
| Cherokee County | $1,787 | $916 | Relatively Moderate |
| Clarke County | $1,501 | $978 | Relatively Low |
| Clay County | $1,534 | — | Very Low |
| Clayton County | $1,691 | $1,015 | Relatively Moderate |
| Clinch County | $1,535 | $1,036 | Very Low |
| Cobb County | $1,836 | $1,011 | Relatively High |
| Coffee County | $1,451 | $999 | Relatively Low |
| Colquitt County | $1,541 | $1,091 | Relatively Low |
| Columbia County | $1,591 | $890 | Relatively Low |
| Cook County | $1,478 | $788 | Very Low |
| Coweta County | $1,798 | $805 | Relatively Low |
| Crawford County | $1,445 | — | Very Low |
| Crisp County | $1,613 | $1,595 | Relatively Low |
| Dade County | $1,652 | $1,032 | Very Low |
| Dawson County | $1,722 | $1,067 | Very Low |
| DeKalb County | $1,897 | $1,015 | Relatively Moderate |
| Decatur County | $1,478 | $1,470 | Relatively Low |
| Dodge County | $1,395 | — | Relatively Low |
| Dooly County | $1,632 | $1,288 | Very Low |
| Dougherty County | $1,581 | $1,128 | Relatively Moderate |
| Douglas County | $1,762 | $780 | Relatively Low |
| Early County | $1,765 | $1,519 | Relatively Low |
| Echols County | $1,611 | — | Very Low |
| Effingham County | $1,631 | $822 | Relatively Low |
| Elbert County | $1,507 | — | Very Low |
| Emanuel County | $1,556 | $968 | Very Low |
| Evans County | $1,429 | — | Very Low |
| Fannin County | $1,926 | $1,916 | Relatively Low |
| Fayette County | $2,155 | $847 | Relatively Low |
| Floyd County | $1,710 | $1,251 | Relatively Moderate |
| Forsyth County | $1,925 | $1,010 | Relatively Moderate |
| Franklin County | $1,541 | — | Very Low |
| Fulton County | $2,169 | $1,057 | Relatively High |
| Gilmer County | $1,814 | $1,911 | Relatively Low |
| Glascock County | $1,393 | — | Very Low |
| Glynn County | $2,669 | $1,190 | Relatively Moderate |
| Gordon County | $1,599 | $1,217 | Relatively Low |
| Grady County | $1,583 | $1,034 | Relatively Low |
| Greene County | $2,231 | $1,316 | Very Low |
| Gwinnett County | $1,816 | $972 | Relatively High |
| Habersham County | $1,533 | $1,864 | Very Low |
| Hall County | $1,614 | $1,027 | Relatively Moderate |
| Hancock County | $1,501 | — | Very Low |
| Haralson County | $1,531 | — | Very Low |
| Harris County | $1,822 | $1,063 | Very Low |
| Hart County | $1,417 | — | Very Low |
| Heard County | $1,581 | — | Very Low |
| Henry County | $1,837 | $882 | Relatively Low |
| Houston County | $1,547 | $869 | Relatively Low |
| Irwin County | $1,614 | — | Very Low |
| Jackson County | $1,568 | $936 | Very Low |
| Jasper County | $1,829 | $1,388 | Very Low |
| Jeff Davis County | $1,456 | $586 | Very Low |
| Jefferson County | $1,526 | $642 | Very Low |
| Jenkins County | $1,533 | $1,452 | Very Low |
| Johnson County | $1,455 | — | Very Low |
| Jones County | $1,615 | $1,258 | Very Low |
| Lamar County | $1,527 | $731 | Very Low |
| Lanier County | $1,533 | $595 | Very Low |
| Laurens County | $1,368 | $956 | Relatively Low |
| Lee County | $1,582 | $1,364 | Very Low |
| Liberty County | $1,874 | $1,004 | Relatively Moderate |
| Lincoln County | $1,466 | — | Very Low |
| Long County | $1,506 | $1,019 | Very Low |
| Lowndes County | $1,564 | $823 | Relatively Low |
| Lumpkin County | $1,609 | $2,210 | Relatively Low |
| Macon County | $1,587 | — | Very Low |
| Madison County | $1,502 | $915 | Very Low |
| Marion County | $1,589 | — | Very Low |
| McDuffie County | $1,439 | $977 | Very Low |
| McIntosh County | $1,946 | $1,103 | Relatively Low |
| Meriwether County | $1,804 | — | Very Low |
| Miller County | $1,645 | $1,282 | Very Low |
| Mitchell County | $1,619 | $1,070 | Relatively Low |
| Monroe County | $1,704 | $1,471 | Very Low |
| Montgomery County | $1,638 | $1,928 | Very Low |
| Morgan County | $1,973 | $1,807 | Very Low |
| Murray County | $1,349 | $926 | Relatively Low |
| Muscogee County | $1,873 | $983 | Relatively Moderate |
| Newton County | $1,813 | $1,215 | Relatively Low |
| Oconee County | $1,789 | $984 | Very Low |
| Oglethorpe County | $1,595 | — | Very Low |
| Paulding County | $1,582 | $970 | Relatively Low |
| Peach County | $1,533 | $827 | Very Low |
| Pickens County | $1,705 | $1,159 | Very Low |
| Pierce County | $1,504 | $1,237 | Very Low |
| Pike County | $1,744 | — | Very Low |
| Polk County | $1,613 | $1,404 | Relatively Low |
| Pulaski County | $1,598 | $1,188 | Very Low |
| Putnam County | $1,718 | $1,483 | Relatively Low |
| Quitman County | $1,337 | — | Very Low |
| Rabun County | $1,988 | $1,810 | Relatively Low |
| Randolph County | $1,686 | — | Very Low |
| Richmond County | $1,514 | $887 | Relatively Moderate |
| Rockdale County | $2,071 | $912 | Relatively Low |
| Schley County | $1,473 | — | Very Low |
| Screven County | $1,655 | $1,088 | Relatively Low |
| Seminole County | $1,603 | $1,142 | Very Low |
| Spalding County | $1,585 | $862 | Very Low |
| Stephens County | $1,421 | $1,171 | Very Low |
| Stewart County | $1,597 | — | Very Low |
| Sumter County | $1,556 | $1,363 | Relatively Low |
| Talbot County | $1,654 | — | Very Low |
| Taliaferro County | $1,652 | — | Very Low |
| Tattnall County | $1,441 | $1,261 | Relatively Low |
| Taylor County | $1,492 | — | Very Low |
| Telfair County | $1,467 | — | Very Low |
| Terrell County | $1,686 | $823 | Very Low |
| Thomas County | $1,646 | $1,051 | Relatively Low |
| Tift County | $1,601 | $819 | Relatively Low |
| Toombs County | $1,482 | $1,154 | Very Low |
| Towns County | $1,668 | $1,526 | Very Low |
| Treutlen County | $1,357 | — | Very Low |
| Troup County | $1,672 | $1,204 | Relatively Low |
| Turner County | $1,618 | — | Very Low |
| Twiggs County | $1,576 | — | Very Low |
| Union County | $1,636 | $1,428 | Relatively Low |
| Upson County | $1,507 | $1,036 | Very Low |
| Walker County | $1,540 | $1,132 | Relatively Low |
| Walton County | $1,772 | $1,003 | Relatively Low |
| Ware County | $1,546 | $862 | Relatively Low |
| Warren County | $1,534 | — | Very Low |
| Washington County | $1,396 | $657 | Very Low |
| Wayne County | $1,650 | $927 | Relatively Low |
| Webster County | — | — | Very Low |
| Wheeler County | $1,435 | — | Very Low |
| White County | $1,723 | $1,524 | Relatively Low |
| Whitfield County | $1,536 | $1,170 | Relatively Moderate |
| Wilcox County | $1,677 | — | Very Low |
| Wilkes County | $1,445 | — | Very Low |
| Wilkinson County | $1,499 | — | Very Low |
| Worth County | $1,552 | $1,553 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Georgia homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.