Homeowners insurance cost in Georgia by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Georgia overview
Across 158 published counties, the average modeled budget is $1,798/yr, with county estimates ranging from $501 to $4,523 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,655/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Georgia, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Georgia
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Georgia launch wave.
- Fulton County: $4,523/yr modeled budget
- Gwinnett County: $4,513/yr modeled budget
- Cobb County: $4,485/yr modeled budget
- DeKalb County: $4,482/yr modeled budget
- Forsyth County: $4,267/yr modeled budget
- Cherokee County: $4,244/yr modeled budget
- Hall County: $4,217/yr modeled budget
- Chatham County: $4,009/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Appling County | $76,700 | 50.22 (Relatively Low) | $829/yr |
| Atkinson County | $79,000 | 7.32 (Very Low) | $545/yr |
| Bacon County | $101,400 | 20.58 (Very Low) | $745/yr |
| Baker County | $119,500 | 9.76 (Very Low) | $778/yr |
| Baldwin County | $181,900 | 50.03 (Relatively Low) | $1,747/yr |
| Banks County | $278,100 | 12.4 (Very Low) | $1,867/yr |
| Barrow County | $294,700 | 45.61 (Relatively Low) | $2,730/yr |
| Bartow County | $289,000 | 65.27 (Relatively Low) | $3,114/yr |
| Ben Hill County | $112,700 | 25.41 (Very Low) | $869/yr |
| Berrien County | $131,600 | 39.31 (Very Low) | $1,156/yr |
| Bibb County | $174,500 | 78.5 (Relatively Low) | $2,058/yr |
| Bleckley County | $149,600 | 25.67 (Very Low) | $1,157/yr |
| Brantley County | $99,600 | 18.29 (Very Low) | $714/yr |
| Brooks County | $139,200 | 42.11 (Very Low) | $1,252/yr |
| Bryan County | $343,200 | 66.63 (Relatively Low) | $3,734/yr |
| Bulloch County | $222,500 | 75.41 (Relatively Low) | $2,571/yr |
| Burke County | $151,600 | 37.31 (Very Low) | $1,308/yr |
| Butts County | $240,600 | 20.52 (Very Low) | $1,765/yr |
| Calhoun County | $81,000 | 16.32 (Very Low) | $605/yr |
| Camden County | $261,400 | 54.55 (Relatively Low) | $2,601/yr |
| Candler County | $159,200 | 11.58 (Very Low) | $1,059/yr |
| Carroll County | $255,100 | 70.45 (Relatively Low) | $2,850/yr |
| Catoosa County | $240,900 | 64.63 (Relatively Low) | $2,584/yr |
| Charlton County | $142,800 | 26.72 (Very Low) | $1,116/yr |
| Chatham County | $302,700 | 97.42 (Relatively High) | $4,009/yr |
| Chattahoochee County | $102,700 | 2.04 (Very Low) | $608/yr |
| Chattooga County | $115,600 | 54.36 (Relatively Low) | $1,149/yr |
| Cherokee County | $435,100 | 85.27 (Relatively Moderate) | $4,244/yr |
| Clarke County | $298,900 | 66.95 (Relatively Low) | $3,259/yr |
| Clay County | $94,400 | 8.46 (Very Low) | $605/yr |
| Clayton County | $222,300 | 86.74 (Relatively Moderate) | $2,762/yr |
| Clinch County | $84,400 | 20.74 (Very Low) | $634/yr |
| Cobb County | $407,200 | 94.37 (Relatively High) | $4,485/yr |
| Coffee County | $128,900 | 59.61 (Relatively Low) | $1,333/yr |
| Colquitt County | $121,400 | 70.55 (Relatively Low) | $1,357/yr |
| Columbia County | $305,300 | 76.84 (Relatively Low) | $3,561/yr |
| Cook County | $157,500 | 34.83 (Very Low) | $1,329/yr |
| Coweta County | $357,500 | 65.62 (Relatively Low) | $3,724/yr |
| Crawford County | $164,100 | 3.94 (Very Low) | $995/yr |
| Crisp County | $140,200 | 52.29 (Relatively Low) | $1,371/yr |
| Dade County | $198,500 | 33.21 (Very Low) | $1,650/yr |
| Dawson County | $406,700 | 21.88 (Very Low) | $2,565/yr |
| Decatur County | $158,800 | 75.86 (Relatively Low) | $1,840/yr |
| DeKalb County | $357,800 | 94.27 (Relatively Moderate) | $4,482/yr |
| Dodge County | $118,100 | 44.75 (Relatively Low) | $1,086/yr |
| Dooly County | $107,400 | 14.95 (Very Low) | $742/yr |
| Dougherty County | $134,400 | 82.79 (Relatively Moderate) | $1,629/yr |
| Douglas County | $296,900 | 65.71 (Relatively Low) | $3,209/yr |
| Early County | $131,300 | 43.38 (Relatively Low) | $1,194/yr |
| Echols County | $124,100 | 0.54 (Very Low) | $720/yr |
| Effingham County | $276,000 | 59.1 (Relatively Low) | $2,843/yr |
| Elbert County | $142,000 | 30.79 (Very Low) | $1,154/yr |
| Emanuel County | $94,700 | 39.85 (Very Low) | $836/yr |
| Evans County | $138,200 | 21.91 (Very Low) | $1,029/yr |
| Fannin County | $306,600 | 56.49 (Relatively Low) | $3,097/yr |
| Fayette County | $436,400 | 61.26 (Relatively Low) | $3,608/yr |
| Floyd County | $217,900 | 81.97 (Relatively Moderate) | $2,628/yr |
| Forsyth County | $550,400 | 86.13 (Relatively Moderate) | $4,267/yr |
| Franklin County | $179,000 | 33.08 (Very Low) | $1,486/yr |
| Fulton County | $458,800 | 95.8 (Relatively High) | $4,523/yr |
| Gilmer County | $314,000 | 68.1 (Relatively Low) | $3,452/yr |
| Glascock County | $123,800 | 0.92 (Very Low) | $722/yr |
| Glynn County | $301,300 | 83.68 (Relatively Moderate) | $3,673/yr |
| Gordon County | $222,900 | 67.21 (Relatively Low) | $2,435/yr |
| Grady County | $152,400 | 52.99 (Relatively Low) | $1,498/yr |
| Greene County | $394,800 | 37.25 (Very Low) | $2,972/yr |
| Gwinnett County | $380,900 | 95.42 (Relatively High) | $4,513/yr |
| Habersham County | $238,300 | 38.9 (Very Low) | $2,085/yr |
| Hall County | $350,400 | 84.26 (Relatively Moderate) | $4,217/yr |
| Hancock County | $88,600 | 11.86 (Very Low) | $591/yr |
| Haralson County | $227,500 | 27.61 (Very Low) | $1,793/yr |
| Harris County | $302,800 | 20.77 (Very Low) | $2,228/yr |
| Hart County | $215,100 | 35.4 (Very Low) | $1,824/yr |
| Heard County | $186,800 | 12.82 (Very Low) | $1,260/yr |
| Henry County | $313,900 | 79.36 (Relatively Low) | $3,722/yr |
| Houston County | $219,800 | 70.48 (Relatively Low) | $2,456/yr |
| Irwin County | $105,600 | 13.65 (Very Low) | $719/yr |
| Jackson County | $345,000 | 41.92 (Very Low) | $3,096/yr |
| Jasper County | $243,400 | 8.08 (Very Low) | $1,553/yr |
| Jeff Davis County | $118,300 | 28.21 (Very Low) | $938/yr |
| Jefferson County | $105,400 | 25.83 (Very Low) | $816/yr |
| Jenkins County | $92,900 | 10.75 (Very Low) | $612/yr |
| Johnson County | $94,900 | 9.26 (Very Low) | $614/yr |
| Jones County | $194,500 | 16.38 (Very Low) | $1,365/yr |
| Lamar County | $216,500 | 7.79 (Very Low) | $1,377/yr |
| Lanier County | $162,300 | 6.77 (Very Low) | $1,020/yr |
| Laurens County | $154,500 | 50.51 (Relatively Low) | $1,490/yr |
| Lee County | $231,800 | 29.39 (Very Low) | $1,859/yr |
| Liberty County | $201,500 | 83.05 (Relatively Moderate) | $2,447/yr |
| Lincoln County | $165,900 | 5.53 (Very Low) | $1,026/yr |
| Long County | $218,300 | 8.02 (Very Low) | $1,392/yr |
| Lowndes County | $215,600 | 72.65 (Relatively Low) | $2,445/yr |
| Lumpkin County | $307,900 | 44.91 (Relatively Low) | $2,836/yr |
| Macon County | $97,300 | 32.09 (Very Low) | $800/yr |
| Madison County | $219,700 | 28.94 (Very Low) | $1,754/yr |
| Marion County | $154,100 | 6.71 (Very Low) | $967/yr |
| McDuffie County | $170,200 | 24.97 (Very Low) | $1,307/yr |
| McIntosh County | $182,700 | 66.57 (Relatively Low) | $1,987/yr |
| Meriwether County | $168,800 | 19.21 (Very Low) | $1,222/yr |
| Miller County | $124,000 | 20.8 (Very Low) | $913/yr |
| Mitchell County | $106,000 | 63.04 (Relatively Low) | $1,124/yr |
| Monroe County | $271,200 | 18.7 (Very Low) | $1,952/yr |
| Montgomery County | $115,500 | 7.82 (Very Low) | $735/yr |
| Morgan County | $342,300 | 19.37 (Very Low) | $2,482/yr |
| Murray County | $180,700 | 51.46 (Relatively Low) | $1,755/yr |
| Muscogee County | $193,900 | 81.55 (Relatively Moderate) | $2,332/yr |
| Newton County | $265,000 | 50.64 (Relatively Low) | $2,558/yr |
| Oconee County | $461,600 | 19.43 (Very Low) | $2,501/yr |
| Oglethorpe County | $231,600 | 8.11 (Very Low) | $1,479/yr |
| Paulding County | $326,300 | 69.97 (Relatively Low) | $3,634/yr |
| Peach County | $207,800 | 22.49 (Very Low) | $1,556/yr |
| Pickens County | $332,700 | 34.8 (Very Low) | $2,806/yr |
| Pierce County | $153,300 | 22.68 (Very Low) | $1,150/yr |
| Pike County | $305,600 | 8.05 (Very Low) | $1,950/yr |
| Polk County | $187,600 | 64.06 (Relatively Low) | $2,004/yr |
| Pulaski County | $157,600 | 18.16 (Very Low) | $1,128/yr |
| Putnam County | $249,300 | 53.31 (Relatively Low) | $2,457/yr |
| Rabun County | $295,200 | 45.29 (Relatively Low) | $2,728/yr |
| Randolph County | $90,200 | 17.18 (Very Low) | $639/yr |
| Richmond County | $178,500 | 87.4 (Relatively Moderate) | $2,227/yr |
| Rockdale County | $292,900 | 56.17 (Relatively Low) | $2,951/yr |
| Schley County | $143,900 | 0.6 (Very Low) | $836/yr |
| Screven County | $124,300 | 43.89 (Relatively Low) | $1,135/yr |
| Seminole County | $121,900 | 29.48 (Very Low) | $978/yr |
| Spalding County | $228,700 | 40.87 (Very Low) | $2,036/yr |
| Stephens County | $175,300 | 33.43 (Very Low) | $1,460/yr |
| Stewart County | $65,100 | 5.85 (Very Low) | $535/yr |
| Sumter County | $120,200 | 53.18 (Relatively Low) | $1,184/yr |
| Talbot County | $117,100 | 2.86 (Very Low) | $700/yr |
| Taliaferro County | $68,900 | 0.73 (Very Low) | $501/yr |
| Tattnall County | $140,000 | 68.38 (Relatively Low) | $1,542/yr |
| Taylor County | $87,700 | 10.15 (Very Low) | $574/yr |
| Telfair County | $113,300 | 23.54 (Very Low) | $858/yr |
| Terrell County | $118,400 | 16.54 (Very Low) | $833/yr |
| Thomas County | $196,700 | 65.97 (Relatively Low) | $2,130/yr |
| Tift County | $165,200 | 56.01 (Relatively Low) | $1,663/yr |
| Toombs County | $137,000 | 42.65 (Very Low) | $1,238/yr |
| Towns County | $316,100 | 39.6 (Very Low) | $2,783/yr |
| Treutlen County | $100,100 | 2.07 (Very Low) | $593/yr |
| Troup County | $217,200 | 59.92 (Relatively Low) | $2,251/yr |
| Turner County | $97,300 | 16.6 (Very Low) | $685/yr |
| Twiggs County | $111,300 | 8.49 (Very Low) | $714/yr |
| Union County | $307,400 | 52.48 (Relatively Low) | $3,010/yr |
| Upson County | $168,700 | 17.14 (Very Low) | $1,194/yr |
| Walker County | $197,100 | 72.01 (Relatively Low) | $2,226/yr |
| Walton County | $339,500 | 54.96 (Relatively Low) | $3,389/yr |
| Ware County | $109,500 | 49.36 (Relatively Low) | $1,046/yr |
| Warren County | $67,100 | 5.31 (Very Low) | $532/yr |
| Washington County | $112,500 | 23.76 (Very Low) | $854/yr |
| Wayne County | $162,800 | 44.62 (Relatively Low) | $1,496/yr |
| Webster County | $82,600 | 2.45 (Very Low) | $513/yr |
| Wheeler County | $88,200 | 6.42 (Very Low) | $552/yr |
| White County | $278,900 | 45.74 (Relatively Low) | $2,587/yr |
| Whitfield County | $218,000 | 81.49 (Relatively Moderate) | $2,621/yr |
| Wilcox County | $87,600 | 13.17 (Very Low) | $593/yr |
| Wilkes County | $122,700 | 12.91 (Very Low) | $829/yr |
| Wilkinson County | $86,300 | 4.64 (Very Low) | $528/yr |
| Worth County | $104,900 | 36.48 (Very Low) | $898/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.