Flood insurance cost · Glynn County, GA

Flood insurance cost in Glynn County, Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 9,367 home policies in force on August 31, 2026.

Glynn County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,064a year

Half of insured homes paid between $745 and $1,394. That is 5% more than the Georgia median ($1,010). Most insured homes here are rated in zone AE (51%).

$0$745 · $1,064 · $1,394$1,742

+12.8% vs Aug 31, 2025 (median $943)

9,367home policies in force

$1,242average cost (mean)

52%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 Glynn 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,215	$894–$2,018	$2,722	19 (0%)	±0.0%
Zone AE High risk	$1,227	$950–$1,790	$1,540	4,760 (51%)	+10.6%
Zone A High risk	$868	$781–$975	$899	13 (0%)	+5.1%
Zone AO High risk, shallow	$1,443	$976–$2,851	$1,980	43 (0%)	+13.8%
Zone X Moderate to low risk	$859	$609–$1,181	$917	4,532 (48%)	+3.2%

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 Glynn County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	8,848	$1,080	$1,262
2–4 unit building	176	$1,090	$1,217
Manufactured (mobile) home	37	$602	$603
Condo or apartment unit	306	$592	$747
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.	607	$1,719	$3,169
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	577	$1,715	$2,354

10,551NFIP policies in force, any building

13,491insured units (condo association policies count every unit)

86%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Glynn 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, 2025	Aug 31, 2026	Change
Home policies in force	9,789	9,367	−4.3%
Median annual cost	$943	$1,064	+12.8%
Average annual cost	$1,137	$1,242	+9.2%
All policies in force (any building)	10,972	10,551	−3.8%

How many homes have flood insurance?

31.1%of all homes in Glynn County have an NFIP policy

90.5%of homes in high-risk zones (special flood hazard area) have one

32,222residential buildings counted by FEMA

5,676of 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 Glynn County, Georgia have filed 1,997 flood claims. 1,360 received a payment, for a total of $43.5 million (an average of $32,009 per paid claim). The year with the most claims was 2017 (884 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (21)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	26	10	$63,694	$6,369
2022	75	62	$2,380,840	$38,401
2021	17	13	$195,933	$15,072
2020	53	41	$868,246	$21,177
2017	884	682	$29,186,745	$42,796
2016	255	144	$5,880,256	$40,835
2015	15	<10	–	–
2013	10	<10	–	–
2010	12	<10	–	–
2009	81	70	$1,416,230	$20,232
2008	30	<10	–	–
2005	242	191	$2,755,212	$14,425
2004	16	11	$69,991	$6,363
1997	10	<10	–	–
1996	43	29	$121,378	$4,185
1995	35	16	$81,423	$5,089
1994	10	<10	–	–
1993	21	11	$38,186	$3,471
1992	32	16	$70,510	$4,407
1989	17	<10	–	–
1979	15	<10	–	–

From 2016 to 2026: 1,310 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.

ZIP codes in Glynn County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Glynn County (8,125 home policies) · Brunswick (712 home policies) · Jekyll Island, State Park Authority (526 home policies)