Homeowners Insurance in Georgia

The average Georgia homeowners premium is $1,828 a year (NAIC) — ▲ +5% versus the U.S. average of $1,737, ranking 16th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Georgia

Homeowners (HO-3)

$1,828

NAIC average / year

Renters (HO-4)

$206

U.S. $173

Median home value

$303,300

Census ACS

FEMA expected loss rating

Relatively Moderate

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Georgia's median home value of $303,300 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Georgia

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Relatively Moderate	77.4	$65,767,543
Tornado	Relatively High	90.6	$432,793,368
Hurricane	Relatively Moderate	87.0	$524,483,692
Inland (river) flooding	Relatively Moderate	82.1	$1,578,572,606
Coastal flooding	Relatively Moderate	67.6	$20,759,677
Wildfire	Relatively Low	58.8	$14,675,072
Earthquake	Relatively Low	69.6	$164,720,619
Winter weather	Relatively Moderate	32.1	$2,952,157
Strong wind	Relatively High	66.0	$79,615,879
Lightning	Relatively High	94.2	$71,994,050

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Albany ($860) and the highest in Alpharetta ($3,480).

City	Median home value	Median year built	Hail / wind	Est. premium
Atlanta	$439,600	1989	Relatively High / Relatively High	$2,550
Columbus	$193,900	1978	Relatively Moderate / Relatively Moderate	$1,225
Augusta	$178,400	1980	Relatively Moderate / Relatively High	$1,225
Macon	$174,500	1977	Relatively Moderate / Relatively Moderate	$1,135
Savannah	$248,900	1971	Relatively Low / Relatively Moderate	$1,615
Athens	$299,200	1987	Relatively Moderate / Relatively Moderate	$1,615
South Fulton	$309,800	2003	Relatively High / Relatively High	$1,925
Sandy Springs	$619,800	1989	Relatively High / Relatively High	$3,355
Roswell	$567,100	1989	Relatively High / Relatively High	$3,125
Alpharetta	$649,000	1996	Relatively High / Relatively High	$3,480
Albany	$124,300	1974	Relatively Low / Relatively Moderate	$860
Marietta	$448,500	1987	Relatively High / Relatively Moderate	$2,560
Valdosta	$182,800	1986	Very Low / Relatively Low	$1,090
Gainesville	$382,200	1994	Relatively Moderate / Relatively Moderate	$2,115
LaGrange	$216,300	1982	Relatively Low / Relatively Moderate	$1,245
Lawrenceville	$350,600	1988	Relatively High / Relatively High	$2,110
Cartersville	$338,200	1990	Relatively Low / Relatively Moderate	$1,845
Tifton	$196,200	1978	Relatively Low / Relatively Moderate	$1,130

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Frequently asked questions

How much is homeowners insurance in Georgia?

NAIC data puts the average Georgia homeowners (HO-3) premium at $1,828 a year, ranking 16th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Georgia?

The NAIC average renters (HO-4) premium in Georgia is $206 a year.

What natural hazards affect home insurance in Georgia?

FEMA's National Risk Index rates Georgia relatively high or very high for expected annual losses from tornado, strong wind, and lightning. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in Georgia?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page