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Flood insurance cost · Catoosa County, GA

Flood insurance cost in Catoosa County, Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 226 home policies in force on August 31, 2026.

Catoosa County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,058a year

Half of insured homes paid between $734 and $1,402. That is 5% more than the Georgia median ($1,010). Most insured homes here are rated in zone AE (65%).

$0$734 · $1,058 · $1,402$1,752
+13.2% vs Aug 31, 2025 (median $935)
226home policies in force
$1,155average cost (mean)
80%of insured homes in high-risk zones (A, V)
$185,500median 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.

Cost by flood zone in Catoosa County

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 AE
High risk		$1,096$756–$1,504$1,209148 (65%)+5.8%
Zone A
High risk		$1,083$819–$1,459$1,25033 (15%)+0.7%
Zone X
Moderate to low risk		$843$565–$1,086$90945 (20%)+8.6%

Not shown (fewer than 10 home policies): VE, AO, 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 Catoosa County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home220$1,058$1,152
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.		13$5,901$5,645
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$2,369$2,851

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

266NFIP policies in force, any building
266insured units (condo association policies count every unit)
51%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: Catoosa County

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 force227226−0.4%
Median annual cost$935$1,058+13.2%
Average annual cost$1,080$1,155+6.9%
All policies in force (any building)252266+5.6%

How many homes have flood insurance?

0.9%of all homes in Catoosa County have an NFIP policy
22.3%of homes in high-risk zones (special flood hazard area) have one
25,628residential buildings counted by FEMA
862of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Catoosa County, Georgia have filed 324 flood claims. 277 received a payment, for a total of $5,594,822 (an average of $20,198 per paid claim). The year with the most claims was 2009 (84 claims). Amounts are in dollars of the time, not adjusted for inflation.

025507510019801990: 11 claims, 11 paid, $312,613 in total19901994: 27 claims, 22 paid, $193,927 in total19941995: 22 claims, 19 paid, $342,172 in total2000: 15 claims, 13 paid, $36,162 in total20002003: 26 claims, 25 paid, $730,230 in total2004: 16 claims, 13 paid, $281,707 in total2009: 84 claims, 78 paid, $1,440,133 in total200920102011: 15 claims, 14 paid, $223,788 in total2020: 27 claims, 20 paid, $521,301 in total20202025: 30 claims, 29 paid, $934,403 in total2025
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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253029$934,403$32,221
20202720$521,301$26,065
20111514$223,788$15,985
20098478$1,440,133$18,463
20041613$281,707$21,670
20032625$730,230$29,209
20001513$36,162$2,782
19952219$342,172$18,009
19942722$193,927$8,815
19901111$312,613$28,419

From 2016 to 2026: 57 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.

Main NFIP communities in the county

Unincorporated Catoosa County (151 home policies) · Fort Oglethorpe (68 home policies)