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Flood insurance cost · Cobb County, GA

Flood insurance cost in Cobb County, Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,076 home policies in force on August 31, 2026.

Cobb County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$894a year

Half of insured homes paid between $640 and $1,237. That is 11% less than the Georgia median ($1,010). The most common flood zone for insured homes here is zone X (47%).

$0$640 · $894 · $1,237$1,546
+6.6% vs Aug 31, 2025 (median $839)
2,076home policies in force
$1,040average 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.

Cost by flood zone in Cobb 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		$1,140$852–$1,635$1,357852 (41%)+8.8%
Zone A
High risk		$812$663–$1,023$873256 (12%)+4.8%
Zone X
Moderate to low risk		$720$540–$1,049$806968 (47%)+4.0%

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 Cobb County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,972$897$1,048
2–4 unit building28$1,319$1,210
Condo or apartment unit73$620$769
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.		64$2,046$2,957
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		111$1,757$2,287

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,251NFIP policies in force, any building
2,430insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Cobb 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 force2,1922,076−5.3%
Median annual cost$839$894+6.6%
Average annual cost$965$1,040+7.8%
All policies in force (any building)2,3662,251−4.9%

How many homes have flood insurance?

1.0%of all homes in Cobb County have an NFIP policy
85.0%of homes in high-risk zones (special flood hazard area) have one
223,468residential buildings counted by FEMA
1,348of 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 Cobb County, Georgia have filed 2,033 flood claims. 1,536 received a payment, for a total of $66.9 million (an average of $43,586 per paid claim). The year with the most claims was 2009 (723 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 59 claims, 50 paid, $473,089 in total19801981: 16 claims, 11 paid, $18,886 in total1982: 173 claims, 102 paid, $1,069,424 in total19821983: 21 claims, 10 paid, $85,466 in total1984: 11 claims1987: 10 claims1989: 27 claims, 15 paid, $176,857 in total1990: 64 claims, 55 paid, $1,640,924 in total19901991: 18 claims, 11 paid, $40,528 in total1992: 25 claims, 17 paid, $58,494 in total1994: 13 claims1995: 39 claims, 29 paid, $290,692 in total1996: 10 claims1998: 25 claims, 10 paid, $88,227 in total1999: 14 claims20002001: 17 claims, 10 paid, $79,589 in total2003: 26 claims, 14 paid, $74,153 in total2004: 90 claims, 78 paid, $3,619,355 in total2005: 147 claims, 129 paid, $3,275,813 in total20052009: 723 claims, 627 paid, $45,174,141 in total20092010: 16 claims20102011: 12 claims2012: 14 claims2013: 33 claims, 13 paid, $167,792 in total2015: 22 claims, 11 paid, $83,078 in total2017: 11 claims2018: 14 claims, 10 paid, $145,448 in total2019: 10 claims2020: 37 claims, 27 paid, $308,203 in total20202021: 126 claims, 107 paid, $4,520,661 in total2023: 43 claims, 33 paid, $1,022,269 in total2024: 62 claims, 53 paid, $3,149,251 in total2026: 12 claims
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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202612<10––
20246253$3,149,251$59,420
20234333$1,022,269$30,978
2021126107$4,520,661$42,249
20203727$308,203$11,415
201910<10––
20181410$145,448$14,545
201711<10––
20152211$83,078$7,553
20133313$167,792$12,907
201214<10––
201112<10––
201016<10––
2009723627$45,174,141$72,048
2005147129$3,275,813$25,394
20049078$3,619,355$46,402
20032614$74,153$5,297
20011710$79,589$7,959
199914<10––
19982510$88,227$8,823
199610<10––
19953929$290,692$10,024
199413<10––
19922517$58,494$3,441
19911811$40,528$3,684
19906455$1,640,924$29,835
19892715$176,857$11,790
198710<10––
198411<10––
19832110$85,466$8,547
1982173102$1,069,424$10,485
19811611$18,886$1,717
19795950$473,089$9,462

From 2016 to 2026: 315 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 Cobb County (1,651 home policies) · Smyrna (129 home policies) · Marietta (93 home policies) · Austell (78 home policies) · Kennesaw (66 home policies) · Powder Springs (36 home policies)