Homeowners Insurance in Savannah, GA

For a home at Savannah's median value of $248,900, we estimate about $1,615 a year — −12% versus the Georgia NAIC average of $1,828.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Savannah

Est. premium

$1,615

$135/mo · median home

Median home value

$248,900

Georgia: $303,300

Median year built

1971

Census ACS

Owner-occupied

45.4%

of households

Hazard score

86.3

state ref. 80.5

Savannah's estimate reflects its home values (18% lower than the state median) and FEMA's hazard profile for Chatham County.

Natural hazard risk in Savannah

FEMA National Risk Index — Chatham County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	69.2	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	77.5	Comprehensive; dwelling
Hurricane	Very High	99.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	90.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Very High	96.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	80.5	Comprehensive; dwelling
Winter weather	Relatively Moderate	67.9	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	92.4	Comprehensive; dwelling
Earthquake	Relatively Moderate	94.4	Home needs a separate earthquake policy
Lightning	Relatively High	95.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Savannah

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,355	$1,250
$300,000	$1,875	$1,725
$500,000	$2,825	$2,595
$750,000	$3,905	$3,590

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Savannah

ZIP	Median home value	Owner-occupied	Est. premium
31419	$257,300	56.2%	$1,660
31405	$338,200	52.1%	$2,065
31404	$215,500	50.2%	$1,440
31401	$552,400	35.7%	$3,055
31415	$149,700	43.9%	$1,075

Homeowners insurance in Georgia · Car insurance in Savannah · Insurance offices near Savannah

Frequently asked questions

How much is homeowners insurance in Savannah?

For a home at Savannah's median value of $248,900, we estimate about $1,615 a year for a standard HO-3 policy with a $1,000 deductible. The Georgia NAIC average is $1,828.

What are the biggest natural hazards in Savannah?

FEMA's National Risk Index rates Chatham County relatively high or very high for hurricane, coastal flooding, and lightning.

Does the age of homes in Savannah affect insurance?

Yes. The median home in Savannah was built in 1971 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

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

Sources used on this page