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Flood insurance cost · GA

Flood insurance cost in Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 56,349 home policies in force on August 31, 2026.

GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,010a year

Half of insured homes paid between $726 and $1,269. That is 7% less than the national median ($1,082). The most common flood zone for insured homes here is zone X (47%).

$0$726 · $1,010 · $1,269$1,586
+9.1% vs Aug 31, 2025 (median $926)
56,349home policies in force
$1,134average cost (mean)
53%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Georgia, county by county.

Cost by flood zone in Georgia

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,468$1,041–$2,465$2,221118 (0%)+6.5%
Zone AE
High risk		$1,134$894–$1,552$1,35825,118 (45%)+10.9%
Zone A
High risk		$1,051$747–$1,484$1,2384,771 (8%)+5.3%
Zone AO
High risk, shallow		$1,405$934–$2,720$1,88248 (0%)+13.7%
Zone X
Moderate to low risk		$844$615–$1,112$89526,289 (47%)+3.6%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Georgia, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home53,634$1,020$1,143
2–4 unit building951$1,012$1,195
Manufactured (mobile) home680$978$1,132
Condo or apartment unit1,084$556$658
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,845$1,985$3,013
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,656$1,830$2,542
61,850NFIP policies in force, any building
69,063insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Georgia

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force59,60856,349−5.5%
Median annual cost$926$1,010+9.1%
Average annual cost$1,043$1,134+8.7%
All policies in force (any building)65,34861,850−5.4%

Flood claims history

Since 1978, NFIP policyholders in Georgia have filed 24,479 flood claims. 18,220 received a payment, for a total of $520.5 million (an average of $28,565 per paid claim). The year with the most claims was 2009 (2,985 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 80 claims, 47 paid, $126,047 in total1979: 636 claims, 512 paid, $3,213,317 in total1980: 230 claims, 160 paid, $738,941 in total19801981: 71 claims, 41 paid, $189,663 in total1982: 371 claims, 261 paid, $1,941,194 in total1983: 159 claims, 90 paid, $548,049 in total1984: 119 claims, 72 paid, $313,367 in total1985: 89 claims, 51 paid, $789,598 in total1986: 50 claims, 30 paid, $254,161 in total1987: 100 claims, 57 paid, $230,596 in total1988: 24 claims, 10 paid, $93,383 in total1989: 160 claims, 92 paid, $808,540 in total1990: 633 claims, 524 paid, $9,733,198 in total19901991: 253 claims, 192 paid, $2,501,068 in total1992: 225 claims, 154 paid, $1,239,379 in total1993: 92 claims, 51 paid, $271,165 in total1994: 2,093 claims, 1,764 paid, $47,903,106 in total19941995: 444 claims, 323 paid, $3,108,142 in total1996: 632 claims, 515 paid, $6,827,939 in total1997: 174 claims, 112 paid, $859,664 in total1998: 1,349 claims, 1,073 paid, $16,511,305 in total1999: 1,261 claims, 1,002 paid, $17,458,457 in total2000: 143 claims, 105 paid, $1,119,980 in total20002001: 95 claims, 54 paid, $1,128,928 in total2002: 168 claims, 115 paid, $1,358,387 in total2003: 477 claims, 335 paid, $4,387,778 in total2004: 997 claims, 815 paid, $28,641,707 in total2005: 912 claims, 746 paid, $13,812,207 in total2006: 77 claims, 45 paid, $943,524 in total2007: 98 claims, 58 paid, $630,972 in total2008: 124 claims, 34 paid, $636,103 in total2009: 2,985 claims, 2,505 paid, $134,524,082 in total20092010: 233 claims, 127 paid, $2,218,783 in total20102011: 98 claims, 47 paid, $479,240 in total2012: 173 claims, 113 paid, $3,331,339 in total2013: 498 claims, 292 paid, $6,295,757 in total2014: 159 claims, 71 paid, $1,473,600 in total2015: 661 claims, 437 paid, $11,110,655 in total2016: 1,308 claims, 728 paid, $22,484,382 in total2017: 2,413 claims, 1,876 paid, $69,603,637 in total20172018: 295 claims, 199 paid, $5,626,410 in total2019: 194 claims, 125 paid, $3,130,123 in total2020: 778 claims, 615 paid, $20,245,888 in total20202021: 410 claims, 289 paid, $7,669,593 in total2022: 186 claims, 108 paid, $3,595,385 in total2023: 242 claims, 163 paid, $6,675,073 in total2024: 1,268 claims, 933 paid, $49,725,315 in total2025: 156 claims, 108 paid, $2,902,211 in total2026: 86 claims, 44 paid, $1,040,928 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20268644$1,040,928$23,657
2025156108$2,902,211$26,872
20241,268933$49,725,315$53,296
2023242163$6,675,073$40,951
2022186108$3,595,385$33,291
2021410289$7,669,593$26,538
2020778615$20,245,888$32,920
2019194125$3,130,123$25,041
2018295199$5,626,410$28,273
20172,4131,876$69,603,637$37,102
20161,308728$22,484,382$30,885
2015661437$11,110,655$25,425
201415971$1,473,600$20,755
2013498292$6,295,757$21,561
2012173113$3,331,339$29,481
20119847$479,240$10,197
2010233127$2,218,783$17,471
20092,9852,505$134,524,082$53,702
200812434$636,103$18,709
20079858$630,972$10,879
20067745$943,524$20,967
2005912746$13,812,207$18,515
2004997815$28,641,707$35,143
2003477335$4,387,778$13,098
2002168115$1,358,387$11,812
20019554$1,128,928$20,906
2000143105$1,119,980$10,666
19991,2611,002$17,458,457$17,424
19981,3491,073$16,511,305$15,388
1997174112$859,664$7,676
1996632515$6,827,939$13,258
1995444323$3,108,142$9,623
19942,0931,764$47,903,106$27,156
19939251$271,165$5,317
1992225154$1,239,379$8,048
1991253192$2,501,068$13,026
1990633524$9,733,198$18,575
198916092$808,540$8,788
19882410$93,383$9,338
198710057$230,596$4,046
19865030$254,161$8,472
19858951$789,598$15,482
198411972$313,367$4,352
198315990$548,049$6,089
1982371261$1,941,194$7,438
19817141$189,663$4,626
1980230160$738,941$4,618
1979636512$3,213,317$6,276
19788047$126,047$2,682

From 2016 to 2026: 7,336 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Georgia

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Baker County14$1,368
Baldwin County30$1,196
Banks County10$1,172
Barrow County33$806
Ben Hill County19$808
Berrien County29$767
Bleckley County14$740
Brantley County68$772
Brooks County17$791
Burke County13$917
Candler County15$1,080
Charlton County28$930
Chattooga County20$1,266
Clinch County54$910
Coffee County38$970
Colquitt County65$1,029
Cook County71$675
Dade County25$987
Dawson County33$1,173
Dooly County23$1,361
Early County26$1,452
Emanuel County18$935
Evans County11$815
Gordon County91$1,037
Grady County13$879
Greene County25$1,233
Habersham County39$1,433
Hall County96$986
Harris County74$899
Jackson County42$917
Jasper County37$1,280
Jeff Davis County17$552
Jefferson County16$632
Jenkins County19$1,310
Jones County30$934
Lamar County11$738
Lanier County21$564
Laurens County43$944
Lumpkin County23$1,358
Madison County12$1,082
Miller County17$1,261
Monroe County62$1,434
Montgomery County13$1,828
Murray County19$1,012
Newton County91$1,115
Oconee County43$794
Peach County22$739
Pickens County42$1,004
Pierce County32$1,232
Polk County94$1,172
Pulaski County25$1,093
Putnam County42$1,407
Rockdale County94$778
Screven County24$1,068
Spalding County93$767
Stephens County33$824
Sumter County91$1,282
Tattnall County38$1,136
Terrell County10$788
Toombs County50$1,146
Towns County68$1,472
Troup County54$1,119
Upson County19$966
Walton County74$932
Washington County30$644
Wayne County63$774
White County57$1,335
Worth County53$1,312

ZIP codes with the most insured homes