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Flood insurance cost · Fulton County, GA

Flood insurance cost in Fulton 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.

Fulton County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$872a year

Half of insured homes paid between $600 and $1,268. That is 14% less than the Georgia median ($1,010). Most insured homes here are rated in zone X (58%).

$0$600 · $872 · $1,268$1,585
+5.1% vs Aug 31, 2025 (median $830)
2,176home policies in force
$1,078average cost (mean)
42%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 Fulton 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		$1,252$878–$1,888$1,521812 (37%)+6.8%
Zone A
High risk		$860$576–$1,139$909111 (5%)+3.9%
Zone X
Moderate to low risk		$712$516–$1,057$8051,253 (58%)+3.5%

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 Fulton County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,042$897$1,101
2–4 unit building35$858$1,001
Condo or apartment unit99$498$618
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.		114$2,512$3,997
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		133$1,685$2,588

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

2,423NFIP policies in force, any building
3,221insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Fulton 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 force2,3442,176−7.2%
Median annual cost$830$872+5.1%
Average annual cost$996$1,078+8.2%
All policies in force (any building)2,6142,423−7.3%

How many homes have flood insurance?

0.8%of all homes in Fulton County have an NFIP policy
40.2%of homes in high-risk zones (special flood hazard area) have one
302,999residential buildings counted by FEMA
2,562of 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 Fulton County, Georgia have filed 3,102 flood claims. 2,436 received a payment, for a total of $95.8 million (an average of $39,326 per paid claim). The year with the most claims was 2009 (672 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 179 claims, 158 paid, $729,732 in total1980: 33 claims, 21 paid, $66,467 in total19801982: 69 claims, 58 paid, $239,994 in total1983: 29 claims, 13 paid, $20,293 in total1984: 23 claims, 11 paid, $29,531 in total1987: 19 claims, 14 paid, $50,993 in total1989: 38 claims, 24 paid, $84,426 in total1990: 146 claims, 124 paid, $2,986,965 in total19901991: 36 claims, 29 paid, $456,341 in total1992: 78 claims, 59 paid, $760,605 in total1994: 24 claims, 13 paid, $50,546 in total1995: 37 claims, 27 paid, $225,760 in total1996: 27 claims, 17 paid, $62,519 in total1997: 47 claims, 35 paid, $404,690 in total1998: 77 claims, 58 paid, $834,926 in total1999: 11 claims20002001: 16 claims, 13 paid, $86,982 in total2002: 42 claims, 30 paid, $320,850 in total2003: 41 claims, 31 paid, $506,861 in total2004: 342 claims, 309 paid, $15,018,076 in total20042005: 122 claims, 104 paid, $2,614,523 in total2009: 672 claims, 573 paid, $39,787,101 in total20092010: 71 claims, 50 paid, $1,013,185 in total20102011: 18 claims, 12 paid, $81,742 in total2012: 26 claims, 18 paid, $195,025 in total2013: 59 claims, 29 paid, $511,329 in total2014: 30 claims, 15 paid, $264,000 in total2015: 82 claims, 58 paid, $1,951,991 in total2016: 15 claims2017: 63 claims, 43 paid, $1,121,387 in total2018: 57 claims, 39 paid, $991,947 in total2019: 24 claims, 20 paid, $472,820 in total2020: 112 claims, 97 paid, $2,521,692 in total20202021: 30 claims, 17 paid, $489,964 in total2023: 22 claims, 17 paid, $636,873 in total2024: 279 claims, 237 paid, $19,300,504 in total20242025: 17 claims2026: 13 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 (38)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202613<10––
202517<10––
2024279237$19,300,504$81,437
20232217$636,873$37,463
20213017$489,964$28,821
202011297$2,521,692$25,997
20192420$472,820$23,641
20185739$991,947$25,435
20176343$1,121,387$26,079
201615<10––
20158258$1,951,991$33,655
20143015$264,000$17,600
20135929$511,329$17,632
20122618$195,025$10,835
20111812$81,742$6,812
20107150$1,013,185$20,264
2009672573$39,787,101$69,436
2005122104$2,614,523$25,140
2004342309$15,018,076$48,602
20034131$506,861$16,350
20024230$320,850$10,695
20011613$86,982$6,691
199911<10––
19987758$834,926$14,395
19974735$404,690$11,563
19962717$62,519$3,678
19953727$225,760$8,361
19942413$50,546$3,888
19927859$760,605$12,892
19913629$456,341$15,736
1990146124$2,986,965$24,088
19893824$84,426$3,518
19871914$50,993$3,642
19842311$29,531$2,685
19832913$20,293$1,561
19826958$239,994$4,138
19803321$66,467$3,165
1979179158$729,732$4,619

From 2016 to 2026: 632 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

Atlanta (921 home policies) · Sandy Springs (308 home policies) · Unincorporated Fulton County (206 home policies) · Roswell (205 home policies) · Johns Creek (140 home policies) · Alpharetta (126 home policies)