Flood insurance cost · Rabun County, GA

Flood insurance cost in Rabun County, Georgia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 108 home policies in force on August 31, 2026.

Rabun County, GeorgiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,639a year

Half of insured homes paid between $1,013 and $2,283. That is 62% more than the Georgia median ($1,010). Most insured homes here are rated in zone A (60%).

$0$1,013 · $1,639 · $2,283$2,854

+16.5% vs Aug 31, 2025 (median $1,407)

108home policies in force

$1,927average cost (mean)

61%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 Rabun 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 A High risk	$1,883	$1,482–$2,467	$2,269	65 (60%)	+8.4%
Zone X Moderate to low risk	$1,083	$819–$1,452	$1,405	42 (39%)	+7.7%

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

Type of building	Policies	Median	Average
Single-family home	107	$1,639	$1,938
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	13	$3,635	$4,165

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

121NFIP policies in force, any building

121insured units (condo association policies count every unit)

73%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Rabun 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	103	108	+4.9%
Median annual cost	$1,407	$1,639	+16.5%
Average annual cost	$1,741	$1,927	+10.7%
All policies in force (any building)	117	121	+3.4%

How many homes have flood insurance?

1.1%of all homes in Rabun County have an NFIP policy

13.5%of homes in high-risk zones (special flood hazard area) have one

10,236residential buildings counted by FEMA

489of 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 Rabun County, Georgia have filed 31 flood claims. 16 received a payment, for a total of $401,371 (an average of $25,086 per paid claim). The year with the most claims was 2004 (12 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 (1)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2004	12	<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 Rabun County (93 home policies)