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Flood insurance cost · DeKalb County, GA

Flood insurance cost in DeKalb County, Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,176 home policies in force on August 31, 2026.

DeKalb County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$924a year

Half of insured homes paid between $654 and $1,307. That is 9% less than the Georgia median ($1,010). Most insured homes here are rated in zone AE (60%).

$0$654 · $924 · $1,307$1,634
+6.5% vs Aug 31, 2025 (median $868)
2,176home policies in force
$1,049average cost (mean)
60%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 DeKalb 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		$1,120$850–$1,566$1,2571,296 (60%)+6.7%
Zone X
Moderate to low risk		$656$497–$889$744880 (40%)+1.4%

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

Type of buildingPoliciesMedianAverage
Single-family home2,078$936$1,059
2–4 unit building39$1,198$1,293
Condo or apartment unit59$470$553
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.		130$2,031$2,867
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		125$1,921$2,654

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

2,431NFIP policies in force, any building
2,943insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: DeKalb 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 force2,3162,176−6.0%
Median annual cost$868$924+6.5%
Average annual cost$980$1,049+7.0%
All policies in force (any building)2,5682,431−5.3%

How many homes have flood insurance?

1.1%of all homes in DeKalb County have an NFIP policy
72.4%of homes in high-risk zones (special flood hazard area) have one
220,247residential buildings counted by FEMA
1,927of 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 DeKalb County, Georgia have filed 2,004 flood claims. 1,453 received a payment, for a total of $29.2 million (an average of $20,093 per paid claim). The year with the most claims was 2009 (468 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 10 claims1979: 63 claims, 40 paid, $300,938 in total1980: 99 claims, 75 paid, $484,056 in total19801982: 20 claims, 16 paid, $77,336 in total1983: 40 claims, 24 paid, $89,903 in total1984: 19 claims, 10 paid, $20,593 in total1985: 14 claims1987: 15 claims1989: 20 claims, 15 paid, $57,567 in total1990: 44 claims, 33 paid, $427,600 in total19901991: 83 claims, 70 paid, $1,421,012 in total1992: 11 claims, 10 paid, $29,368 in total1994: 35 claims, 24 paid, $138,238 in total1995: 17 claims1996: 13 claims, 10 paid, $36,131 in total1997: 21 claims, 13 paid, $39,704 in total1998: 18 claims, 10 paid, $37,178 in total2000: 21 claims, 17 paid, $82,966 in total20002001: 10 claims2003: 111 claims, 85 paid, $1,200,720 in total20032004: 244 claims, 211 paid, $5,013,860 in total20042005: 37 claims, 29 paid, $342,415 in total2006: 10 claims2008: 11 claims2009: 468 claims, 391 paid, $12,146,325 in total20092010: 29 claims, 18 paid, $177,791 in total20102013: 61 claims, 36 paid, $1,001,946 in total2014: 15 claims2015: 70 claims, 44 paid, $443,453 in total2016: 21 claims2017: 46 claims, 31 paid, $499,932 in total2018: 28 claims, 20 paid, $251,215 in total2019: 23 claims, 10 paid, $121,067 in total2020: 73 claims, 58 paid, $1,446,551 in total20202021: 20 claims, 10 paid, $46,074 in total2023: 10 claims2024: 102 claims, 77 paid, $2,665,771 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 (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410277$2,665,771$34,620
202310<10––
20212010$46,074$4,607
20207358$1,446,551$24,941
20192310$121,067$12,107
20182820$251,215$12,561
20174631$499,932$16,127
201621<10––
20157044$443,453$10,078
201415<10––
20136136$1,001,946$27,832
20102918$177,791$9,877
2009468391$12,146,325$31,065
200811<10––
200610<10––
20053729$342,415$11,807
2004244211$5,013,860$23,762
200311185$1,200,720$14,126
200110<10––
20002117$82,966$4,880
19981810$37,178$3,718
19972113$39,704$3,054
19961310$36,131$3,613
199517<10––
19943524$138,238$5,760
19921110$29,368$2,937
19918370$1,421,012$20,300
19904433$427,600$12,958
19892015$57,567$3,838
198715<10––
198514<10––
19841910$20,593$2,059
19834024$89,903$3,746
19822016$77,336$4,834
19809975$484,056$6,454
19796340$300,938$7,523
197810<10––

From 2016 to 2026: 323 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 Dekalb County (1,350 home policies) · Brookhaven (172 home policies) · Decatur (163 home policies) · Atlanta (162 home policies) · Dunwoody (141 home policies) · Tucker (58 home policies)