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Home insurance & flood costs in ZIP 31503 (Waycross, GA)

Plain facts for homeowners in Waycross: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 31503 at a glance

Four numbers most homeowners ask about first.

$1,425
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$821
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.91%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.0%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 31503 in numbers
$16,313
average paid claim (2022)
+2%
premium change 2018–2022, after inflation
2.39%
cancelled by insurers mid-term (2022)
52
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 31503 was $1,425 in 2022, 8% below the Ware County typical ZIP ($1,546) and 8% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 4.0% of policies here had a paid claim in 2022, and insurers chose not to renew 0.91% of policies.

Ware County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 31503WareU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 31503 in 2025 cost $821, based on 52 policies, compared with $661 in 2022. About 73% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

52 policies
A zones 73%X/B/C zones 27%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Ware County

The chart shows the share of homeowners policies in ZIP 31503 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Ware County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hurricane88 · Relatively Moderate
  • Wildfire74 · Relatively Low
  • Earthquake66 · Relatively Low
  • Lightning65 · Relatively Moderate
  • Tornado62 · Relatively Low

Other ZIP codes in Ware County

Average premium per policy in 2022 (Treasury FIO).

31501 Waycross · $1,601

Practical next steps

Simple things homeowners in ZIP 31503 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.