Georgia Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 630 ZIP codes in Georgia (GA).

The verdict

According to U.S. Treasury FIO filings, Georgia ranks #24 of 51 by average premium ($1,769/yr) ≠ #12 of 50 by nonrenewal (1.47%). Cost rank is not withdrawal rank.

$1,769
State avg premium (#24 of 51): #12
Nonrenewal of 50 (1.47%): 31561
In-state premium ZIP #1 ($25,848): 30344
In-state nonrenewal ZIP #1 (3.09%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Georgia vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,769 Around the middle lower premium than 45% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Georgia pay an average of $1,769 per year for home insurance - 0% below the national average of $1,776. That ranks Georgia as the 24th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 5.3%; nonrenewal rates climbed by 46.1% over the same period.

On five-year premium growth (2018–2022), Georgia ranks 28th out of 51 states. Its nonrenewal rate (1.47%) ranks 12th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Georgia Compares

vs National Average

$1,769 vs $1,776

0% below national avg

Rank Among States

24th of 51

most expensive for homeowners insurance

Loss Ratio vs National

43.4% vs 58.0%

insurers retain more margin here

Avg Premium

$1,769/yr

National avg: $1,776 (-0% below)

Premium Change

+5.3%

2018-2022 change

Avg Loss Ratio

43.4%

Claims paid vs premiums earned

Nonrenewal Rate

1.47%

+46.1% change

Data Snapshot: Georgia Homeowners Insurance

Across the 630 Georgia ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,769. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Georgia homeowner pays, gives $2,010 per year. That is 0% below the national average of $1,776 per year reported by the Federal Insurance Office. Georgia ranks 24th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,153 in 31647 to $25,848 in 31561.

Between 2018 and 2022, average premiums rose by 5.3% in Georgia, placing the state 28th nationally on five-year premium growth. The state-level loss ratio averaged 43.4%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.47% across the ZIP codes that report one, a climb of 46.1% over the study period (ranking 12th out of 50 states).

Within Georgia, premium dispersion across ZIP codes is substantial: the most expensive ZIP (31561 in Sea Island) charges 2142% more than the least expensive (31647 in Sparks), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Georgia

Georgia statewide - FIO 2018-2022 average: 43% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

630

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,680	$1,575	68.7%	10.31%	1.00%
2019	$1,720 (+2.4%)	$1,613	55.5%	6.95%	0.83%
2020	$1,735 (+0.9%)	$1,617	53.1%	6.53%	0.78%
2021	$1,731 (-0.2%)	$1,610	43.5%	5.08%	0.97%
2022	$1,769 (+2.2%)	$1,635	43.4%	5.47%	1.47%

Average homeowners premium per year in Georgia.

Most Expensive ZIP Codes in Georgia

Saint Simons Island, GA

Most Affordable ZIP Codes in Georgia

All ZIP Codes in Georgia

630 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
31561	Sea Island	$25,848	-0.6%	1.92%	0.48%
30327	Atlanta	$5,831	45.3%	9.45%	1.02%
31411	Savannah	$4,590	9.2%	2.81%	0.52%
30305	Atlanta	$4,405	36.8%	8.02%	0.95%
31328	Tybee Island	$4,350	4.2%	1.75%	0.75%
31522	Saint Simons Island	$3,866	8.4%	2.31%	1.30%
30309	Atlanta	$3,838	39.9%	5.91%	0.68%
30342	Atlanta	$3,626	49.1%	7.95%	1.52%
31527	Jekyll Island	$3,478	2.9%	3.06%	N/A
31401	Savannah	$3,360	18.3%	2.93%	1.28%
30350	Atlanta	$3,305	63.1%	8.85%	1.13%
31410	Savannah	$2,983	12.6%	3.13%	0.89%
30328	Atlanta	$2,933	60.2%	10.10%	0.77%
30339	Atlanta	$2,886	90.1%	6.54%	1.32%
30306	Atlanta	$2,868	29.4%	3.97%	0.83%
30552	Lakemont	$2,700	26.9%	4.20%	0.47%
30319	Atlanta	$2,642	42.6%	6.05%	1.47%
30097	Duluth	$2,635	87.0%	10.32%	1.62%
30750	Lookout Mountain	$2,633	16.9%	4.17%	1.58%
30642	Greensboro	$2,601	30.9%	5.90%	0.86%
30004	Alpharetta	$2,566	70.0%	9.23%	1.31%
30308	Atlanta	$2,508	53.8%	4.41%	0.53%
31406	Savannah	$2,504	30.0%	4.94%	1.01%
30307	Atlanta	$2,488	41.5%	4.85%	1.21%
30068	Marietta	$2,473	57.8%	8.91%	0.83%
30022	Alpharetta	$2,469	61.3%	8.21%	1.48%
30075	Roswell	$2,467	60.8%	8.31%	0.85%
30338	Atlanta	$2,431	53.3%	6.38%	1.04%
31405	Savannah	$2,420	21.3%	4.28%	1.68%
30326	Atlanta	$2,401	16.4%	7.95%	2.27%
30324	Atlanta	$2,393	32.6%	5.56%	1.64%
30067	Marietta	$2,393	64.9%	8.43%	1.15%
30005	Alpharetta	$2,380	64.5%	8.46%	1.39%
30331	Atlanta	$2,300	60.4%	9.86%	3.35%
31829	Upatoi	$2,298	47.5%	8.29%	1.38%
30576	Tiger	$2,282	17.7%	2.69%	0.64%
30087	Stone Mountain	$2,271	69.0%	9.60%	1.97%
30345	Atlanta	$2,249	39.9%	5.41%	1.33%
30678	White Plains	$2,231	15.8%	2.23%	0.32%
30092	Peachtree Corners	$2,223	62.2%	7.38%	1.34%
30024	Suwanee	$2,187	72.5%	8.95%	1.70%
30290	Tyrone	$2,175	61.4%	5.75%	1.23%
30076	Roswell	$2,169	64.6%	7.79%	1.27%
30205	Brooks	$2,165	39.7%	4.51%	0.90%
30215	Fayetteville	$2,155	48.9%	6.87%	1.56%
31324	Richmond Hill	$2,153	39.1%	4.89%	1.73%
30311	Atlanta	$2,153	81.4%	8.62%	2.16%
30214	Fayetteville	$2,143	66.3%	7.88%	1.82%
30038	Lithonia	$2,128	64.5%	10.46%	2.91%
31626	Boston	$2,115	26.7%	5.50%	0.69%
30013	Conyers	$2,112	85.2%	12.59%	3.24%
30294	Ellenwood	$2,105	62.1%	11.24%	2.28%
31419	Savannah	$2,100	32.9%	5.42%	2.07%
30349	Atlanta	$2,089	75.5%	9.41%	2.95%
30337	Atlanta	$2,084	36.7%	6.07%	1.75%
31811	Hamilton	$2,084	54.6%	6.50%	1.10%
30329	Atlanta	$2,080	103.8%	7.44%	1.79%
31201	Macon	$2,078	61.9%	5.33%	2.03%
30062	Marietta	$2,076	76.0%	8.58%	0.90%
30041	Cumming	$2,072	78.8%	8.56%	1.57%
30094	Conyers	$2,071	67.7%	9.38%	2.74%
30517	Braselton	$2,065	47.9%	6.54%	1.70%
30058	Lithonia	$2,049	72.0%	10.83%	3.41%
30650	Madison	$2,046	78.9%	6.02%	1.08%
31404	Savannah	$2,041	23.3%	3.84%	1.79%
30152	Kennesaw	$2,038	61.4%	8.57%	1.26%
30034	Decatur	$2,036	74.1%	10.13%	2.01%
31210	Macon	$2,033	30.4%	4.56%	1.30%
30064	Marietta	$2,032	50.5%	6.12%	1.52%
31808	Fortson	$2,025	39.3%	7.11%	0.92%
30525	Clayton	$2,022	34.1%	3.24%	1.05%
31820	Midland	$2,020	70.4%	10.49%	1.53%
30218	Gay	$2,014	35.8%	5.68%	1.62%
30312	Atlanta	$2,011	45.2%	5.38%	1.16%
30039	Snellville	$1,997	78.9%	10.76%	2.37%
30222	Greenville	$1,995	24.5%	2.77%	1.39%
30030	Decatur	$1,994	41.5%	4.74%	1.16%
31569	Woodbine	$1,991	130.5%	3.61%	1.75%
31320	Midway	$1,987	24.9%	4.40%	1.27%
30621	Bishop	$1,980	59.1%	7.14%	0.48%
31309	Fleming	$1,978	32.3%	3.79%	0.76%
30625	Buckhead	$1,973	48.6%	5.91%	0.49%
30269	Peachtree City	$1,972	61.2%	6.75%	1.11%
30009	Alpharetta	$1,962	39.0%	6.35%	1.28%
31558	Saint Marys	$1,958	12.8%	2.36%	2.09%
30019	Dacula	$1,958	60.7%	6.64%	2.33%
31331	Townsend	$1,955	26.8%	2.31%	1.04%
30537	Dillard	$1,955	61.8%	2.91%	0.42%
31906	Columbus	$1,953	69.7%	8.49%	1.80%
31822	Pine Mountain	$1,951	56.1%	4.68%	1.21%
30017	Grayson	$1,950	68.3%	7.82%	1.43%
31322	Pooler	$1,950	35.3%	6.27%	1.97%
30559	Mineral Bluff	$1,949	32.4%	1.81%	0.75%
31568	White Oak	$1,948	8.2%	1.64%	1.64%
31408	Savannah	$1,947	89.6%	6.43%	1.57%
30506	Gainesville	$1,938	48.0%	5.80%	1.27%
31305	Darien	$1,937	10.1%	3.05%	1.27%
30513	Blue Ridge	$1,936	40.4%	2.63%	0.65%
30663	Rutledge	$1,932	39.5%	5.86%	0.45%
31721	Albany	$1,929	22.7%	3.50%	1.39%
30088	Stone Mountain	$1,927	71.9%	10.90%	2.69%
30236	Jonesboro	$1,926	59.0%	8.02%	2.76%
30560	Morganton	$1,926	21.1%	2.06%	0.64%
30040	Cumming	$1,925	61.2%	7.54%	1.18%
30252	Mcdonough	$1,924	56.2%	7.77%	2.71%
30268	Palmetto	$1,920	32.7%	4.64%	2.91%
30135	Douglasville	$1,919	60.7%	7.82%	2.92%
31904	Columbus	$1,919	75.9%	9.77%	1.40%
30101	Acworth	$1,914	60.5%	7.49%	1.80%
30523	Clarkesville	$1,911	27.1%	4.15%	0.94%
31565	Waverly	$1,911	5.0%	1.75%	0.66%
30189	Woodstock	$1,910	62.4%	8.18%	1.04%
30035	Decatur	$1,910	68.1%	10.05%	2.68%
30296	Riverdale	$1,909	80.2%	9.28%	2.91%
30143	Jasper	$1,905	35.6%	4.59%	0.97%
30363	Atlanta	$1,905	N/A	N/A	2.00%
30318	Atlanta	$1,900	79.5%	7.77%	2.13%
30066	Marietta	$1,899	76.6%	7.93%	1.27%
30002	Avondale Estates	$1,897	69.6%	7.50%	0.77%
30054	Oxford	$1,895	47.5%	5.67%	1.44%
30240	Lagrange	$1,894	64.7%	8.22%	1.08%
30213	Fairburn	$1,894	75.0%	8.93%	4.28%
30115	Canton	$1,892	53.0%	5.28%	1.22%
31070	Pinehurst	$1,892	25.3%	8.49%	0.94%
30206	Concord	$1,888	60.3%	4.24%	0.68%
31057	Marshallville	$1,887	30.9%	3.39%	1.69%
30288	Conley	$1,880	65.4%	10.72%	2.16%
31220	Macon	$1,878	31.7%	5.15%	1.72%
31323	Riceboro	$1,874	16.4%	5.79%	1.58%
30078	Snellville	$1,872	85.7%	8.74%	1.69%
30452	Register	$1,872	6.4%	2.41%	1.20%
31301	Allenhurst	$1,869	35.9%	9.09%	3.17%
30184	White	$1,868	92.1%	7.43%	1.33%
31804	Cataula	$1,863	27.9%	4.58%	1.03%
30293	Woodbury	$1,861	106.3%	7.88%	3.94%
31523	Brunswick	$1,860	13.0%	2.25%	1.59%
30641	Good Hope	$1,860	17.8%	2.95%	1.77%
31415	Savannah	$1,859	57.8%	5.81%	3.37%
31313	Hinesville	$1,852	37.2%	7.64%	2.64%
31792	Thomasville	$1,851	35.5%	5.50%	1.17%
30571	Sautee Nacoochee	$1,848	34.2%	5.97%	0.92%
30263	Newnan	$1,843	129.4%	9.07%	1.58%
30056	Newborn	$1,839	31.9%	5.34%	1.19%
30281	Stockbridge	$1,838	56.8%	7.56%	2.51%
30253	Mcdonough	$1,837	67.5%	9.08%	2.66%
30080	Smyrna	$1,836	56.4%	6.43%	1.56%
30568	Rabun Gap	$1,833	10.4%	2.48%	0.57%
39861	Jakin	$1,830	30.2%	5.00%	0.71%
31085	Shady Dale	$1,829	28.0%	6.37%	0.64%
31901	Columbus	$1,828	49.4%	8.83%	0.88%
30522	Cherry Log	$1,828	43.3%	3.27%	0.68%
30519	Buford	$1,827	71.9%	7.44%	2.40%
30055	Mansfield	$1,827	61.3%	4.42%	1.79%
30265	Newnan	$1,825	56.6%	6.84%	1.27%
30047	Lilburn	$1,823	65.2%	7.27%	1.34%
30809	Evans	$1,822	38.7%	5.12%	2.05%
30012	Conyers	$1,822	74.0%	7.99%	3.04%
31833	West Point	$1,822	62.0%	8.92%	1.01%
30127	Powder Springs	$1,821	59.1%	8.21%	1.76%
30277	Sharpsburg	$1,818	44.6%	5.28%	1.34%
30187	Winston	$1,816	44.4%	5.85%	1.26%
30536	Ellijay	$1,814	40.5%	2.66%	0.79%
31046	Juliette	$1,812	27.9%	6.09%	0.93%
30541	Epworth	$1,812	12.3%	2.64%	0.56%
30043	Lawrenceville	$1,809	78.4%	9.23%	1.66%
30025	Social Circle	$1,807	74.5%	6.29%	1.47%
31302	Bloomingdale	$1,807	50.5%	4.93%	2.50%
30107	Ball Ground	$1,805	36.7%	4.44%	1.28%
31326	Rincon	$1,802	113.3%	16.21%	2.43%
30014	Covington	$1,800	70.4%	8.28%	2.03%
30178	Taylorsville	$1,798	24.7%	4.26%	0.52%
30667	Stephens	$1,798	0.6%	0.75%	N/A
30426	Girard	$1,797	17.2%	6.45%	N/A
30238	Jonesboro	$1,797	75.0%	9.48%	3.19%
30171	Rydal	$1,797	39.0%	4.81%	0.67%
30292	Williamson	$1,795	46.6%	4.61%	0.64%
30360	Atlanta	$1,793	49.5%	6.82%	1.38%
30425	Garfield	$1,793	36.5%	7.09%	N/A
30317	Atlanta	$1,791	64.3%	6.11%	1.54%
31807	Ellerslie	$1,791	36.7%	6.28%	1.16%
30677	Watkinsville	$1,789	45.0%	5.57%	0.87%
30185	Whitesburg	$1,789	31.5%	3.23%	1.36%
30114	Canton	$1,787	53.4%	5.44%	1.85%
30033	Decatur	$1,783	44.3%	4.69%	1.37%
30145	Kingston	$1,780	55.1%	4.94%	1.34%
31079	Rochelle	$1,779	23.1%	1.42%	1.42%
30259	Moreland	$1,779	25.8%	3.52%	0.94%
30161	Rome	$1,778	45.0%	4.72%	1.40%
30310	Atlanta	$1,775	66.0%	6.94%	2.06%
39886	Shellman	$1,774	0.2%	0.91%	0.91%
30410	Ailey	$1,773	19.8%	5.15%	N/A
30082	Smyrna	$1,772	71.1%	6.67%	1.70%
30052	Loganville	$1,772	56.2%	7.26%	1.87%
30738	Rising Fawn	$1,770	19.8%	3.79%	1.71%
30830	Waynesboro	$1,770	43.1%	7.58%	1.42%
30124	Cave Spring	$1,768	42.1%	6.05%	1.32%
31831	Waverly Hall	$1,768	36.8%	5.16%	1.06%
30105	Armuchee	$1,768	26.8%	2.88%	0.88%
30045	Lawrenceville	$1,766	61.8%	8.12%	1.61%
31546	Jesup	$1,765	18.7%	2.62%	1.37%
31730	Camilla	$1,762	40.3%	4.52%	1.16%
30316	Atlanta	$1,762	45.0%	7.19%	1.70%
31321	Pembroke	$1,761	69.5%	8.68%	1.22%
30534	Dawsonville	$1,758	50.6%	4.55%	1.20%
31303	Clyo	$1,757	23.0%	4.53%	1.60%
30126	Mableton	$1,755	53.2%	7.94%	1.85%
30228	Hampton	$1,752	62.7%	8.07%	6.17%
31830	Warm Springs	$1,748	22.7%	4.61%	1.21%
39813	Arlington	$1,747	168.7%	4.58%	1.31%
30016	Covington	$1,745	74.0%	10.33%	3.13%
31789	Sumner	$1,745	22.5%	4.94%	0.62%
30183	Waleska	$1,744	62.8%	4.47%	1.53%
30256	Meansville	$1,744	27.3%	5.02%	0.97%
30083	Stone Mountain	$1,744	69.0%	9.16%	2.07%
30096	Duluth	$1,740	69.5%	7.15%	1.96%
30656	Monroe	$1,739	38.0%	5.55%	1.29%
31066	Musella	$1,737	10.5%	4.93%	N/A
30548	Hoschton	$1,737	50.9%	5.14%	1.49%
30518	Buford	$1,737	69.0%	7.68%	1.70%
30276	Senoia	$1,737	33.0%	4.42%	1.33%
31733	Chula	$1,737	15.3%	2.35%	0.39%
30180	Villa Rica	$1,732	63.8%	8.20%	3.28%
31764	Leslie	$1,731	55.2%	3.70%	1.06%
30144	Kennesaw	$1,728	66.5%	8.87%	1.69%
30028	Cumming	$1,728	48.3%	5.30%	1.59%
30188	Woodstock	$1,726	51.9%	6.28%	1.24%
30816	Keysville	$1,725	51.4%	4.38%	2.55%
30291	Union City	$1,724	89.8%	11.22%	2.61%
30545	Helen	$1,723	70.9%	4.70%	0.94%
30248	Locust Grove	$1,723	66.8%	7.44%	3.43%
31211	Macon	$1,722	39.6%	6.57%	1.52%
30341	Atlanta	$1,721	35.2%	4.63%	0.93%
31024	Eatonton	$1,718	42.3%	5.78%	0.90%
30546	Hiawassee	$1,717	27.1%	2.00%	0.60%
31407	Port Wentworth	$1,717	26.2%	6.23%	2.79%
30314	Atlanta	$1,716	66.4%	8.64%	2.73%
30731	Menlo	$1,714	16.3%	2.28%	0.95%
30564	Murrayville	$1,713	26.8%	5.55%	1.17%
39819	Bainbridge	$1,713	20.7%	4.85%	1.53%
31520	Brunswick	$1,713	33.2%	3.26%	2.30%
30413	Bartow	$1,712	25.0%	4.81%	1.92%
30501	Gainesville	$1,712	71.4%	8.32%	1.54%
30344	Atlanta	$1,710	78.0%	7.17%	3.09%
30122	Lithia Springs	$1,708	66.9%	9.09%	1.62%
30606	Athens	$1,706	43.7%	5.34%	2.82%
30175	Talking Rock	$1,705	32.0%	5.16%	0.79%
31029	Forsyth	$1,704	23.0%	4.37%	1.25%
31094	Warthen	$1,703	19.3%	7.19%	0.60%
31064	Monticello	$1,700	24.5%	3.49%	1.64%
39823	Blakely	$1,699	57.3%	5.79%	1.42%
30420	Cobbtown	$1,698	26.4%	6.90%	0.86%
30120	Cartersville	$1,698	58.0%	6.03%	1.19%
30446	Newington	$1,697	7.3%	3.78%	0.54%
30542	Flowery Branch	$1,696	50.4%	6.35%	1.39%
31052	Lizella	$1,696	75.8%	5.09%	1.26%
30720	Dalton	$1,695	50.5%	6.27%	1.17%
30802	Appling	$1,693	18.8%	3.94%	1.31%
30273	Rex	$1,691	53.1%	7.17%	2.69%
31643	Quitman	$1,690	34.8%	7.08%	0.85%
30734	Ranger	$1,688	18.7%	3.33%	0.79%
30148	Marble Hill	$1,687	9.0%	1.26%	0.63%
39842	Dawson	$1,686	16.0%	3.73%	1.37%
30274	Riverdale	$1,685	75.3%	8.65%	2.41%
30572	Suches	$1,685	27.4%	1.52%	1.18%
31836	Woodland	$1,684	17.9%	4.95%	N/A
31826	Shiloh	$1,682	34.6%	4.89%	1.15%
31823	Pine Mountain Valley	$1,682	63.5%	3.31%	1.32%
31560	Screven	$1,682	58.3%	3.75%	0.34%
30116	Carrollton	$1,681	62.2%	7.22%	1.16%
30450	Portal	$1,680	23.9%	2.64%	0.38%
30909	Augusta	$1,680	107.8%	15.61%	2.51%
30655	Monroe	$1,680	60.0%	6.33%	1.75%
30622	Bogart	$1,678	35.5%	4.74%	0.98%
30295	Zebulon	$1,675	29.1%	3.63%	1.69%
30220	Grantville	$1,674	81.0%	7.09%	1.61%
30230	Hogansville	$1,672	32.6%	3.87%	1.62%
31525	Brunswick	$1,671	16.7%	3.26%	1.91%
30527	Clermont	$1,670	50.4%	4.44%	1.87%
30258	Molena	$1,669	24.2%	3.95%	1.25%
30121	Cartersville	$1,669	33.8%	4.65%	1.39%
30733	Plainville	$1,668	84.5%	5.20%	2.97%
30234	Jenkinsburg	$1,666	91.8%	5.58%	1.52%
30102	Acworth	$1,664	57.6%	6.07%	1.10%
30084	Tucker	$1,664	65.7%	6.65%	1.85%
30315	Atlanta	$1,663	78.2%	8.76%	2.16%
31548	Kingsland	$1,662	24.4%	2.08%	3.36%
30549	Jefferson	$1,661	35.5%	4.36%	1.39%
30474	Vidalia	$1,658	35.5%	5.20%	0.82%
30627	Carlton	$1,657	8.3%	1.90%	1.27%
31779	Pelham	$1,657	39.3%	4.99%	0.54%
30147	Lindale	$1,652	16.1%	3.69%	1.32%
30631	Crawfordville	$1,652	27.7%	4.81%	0.48%
30757	Wildwood	$1,652	155.3%	3.53%	1.57%
30134	Douglasville	$1,651	64.3%	9.32%	2.05%
31047	Kathleen	$1,650	40.8%	5.65%	2.46%
30904	Augusta	$1,649	195.5%	27.09%	2.65%
30415	Brooklet	$1,648	28.6%	3.87%	0.92%
39834	Climax	$1,647	144.4%	1.43%	N/A
30540	Ellijay	$1,646	38.2%	3.04%	0.87%
31773	Ochlocknee	$1,646	55.5%	5.37%	0.37%
39837	Colquitt	$1,645	18.3%	5.14%	0.44%
31025	Elko	$1,644	19.6%	2.65%	0.33%
31020	Dry Branch	$1,643	33.4%	6.77%	1.20%
31602	Valdosta	$1,643	20.7%	4.56%	1.57%
31042	Irwinton	$1,642	17.1%	5.00%	0.63%
30458	Statesboro	$1,641	21.5%	4.27%	1.58%
30241	Lagrange	$1,640	65.2%	7.75%	1.94%
31790	Sycamore	$1,639	13.9%	2.49%	N/A
31793	Tifton	$1,639	21.2%	3.72%	0.88%
30044	Lawrenceville	$1,639	62.5%	8.24%	1.52%
30470	Tarrytown	$1,638	59.3%	7.35%	2.21%
31063	Montezuma	$1,637	39.3%	9.52%	3.25%
31091	Unadilla	$1,637	14.1%	2.49%	1.07%
31815	Lumpkin	$1,636	26.8%	7.14%	N/A
30117	Carrollton	$1,636	39.6%	4.80%	1.21%
31032	Gray	$1,633	51.9%	8.63%	1.09%
31312	Guyton	$1,633	45.1%	6.49%	2.77%
30740	Rocky Face	$1,633	33.4%	4.60%	1.15%
30224	Griffin	$1,632	47.9%	6.65%	2.38%
30461	Statesboro	$1,632	28.6%	4.75%	2.33%
30441	Midville	$1,632	63.9%	4.31%	0.43%
30165	Rome	$1,630	34.8%	4.31%	1.41%
30251	Luthersville	$1,628	31.1%	4.73%	1.74%
31318	Meldrim	$1,628	23.0%	5.13%	1.28%
31738	Coolidge	$1,628	31.0%	4.76%	1.47%
30434	Louisville	$1,627	51.2%	9.80%	1.56%
30125	Cedartown	$1,626	47.2%	5.05%	1.37%
31007	Byromville	$1,626	35.6%	6.90%	N/A
31308	Ellabell	$1,625	340.3%	22.66%	1.74%
31827	Talbotton	$1,624	6.8%	2.22%	1.33%
31036	Hawkinsville	$1,624	21.0%	3.68%	1.18%
30736	Ringgold	$1,622	33.1%	4.11%	0.92%
31757	Thomasville	$1,620	19.9%	3.12%	0.72%
30582	Young Harris	$1,620	17.3%	2.11%	0.85%
31555	Odum	$1,619	55.4%	3.82%	1.49%
30032	Decatur	$1,619	73.9%	9.12%	2.07%
30233	Jackson	$1,617	44.7%	5.08%	1.62%
31030	Fort Valley	$1,617	33.2%	5.90%	1.63%
30011	Auburn	$1,617	53.9%	5.64%	1.75%
31038	Hillsboro	$1,615	61.2%	5.52%	N/A
30701	Calhoun	$1,615	31.3%	4.71%	1.53%
31629	Dixie	$1,614	4.3%	2.46%	N/A
30555	Mc Caysville	$1,614	61.5%	3.54%	0.79%
31803	Buena Vista	$1,614	27.0%	6.55%	1.14%
31768	Moultrie	$1,613	19.3%	3.89%	1.25%
31015	Cordele	$1,613	34.7%	4.07%	1.21%
30153	Rockmart	$1,613	52.9%	6.77%	1.29%
30666	Statham	$1,613	30.5%	4.51%	1.87%
30467	Sylvania	$1,613	10.8%	2.98%	0.86%
31092	Vienna	$1,611	20.7%	7.31%	1.50%
31636	Lake Park	$1,611	33.3%	7.23%	1.20%
30725	Flintstone	$1,609	22.1%	4.22%	0.93%
31016	Culloden	$1,609	10.4%	1.60%	0.64%
30533	Dahlonega	$1,609	33.6%	3.86%	0.82%
31816	Manchester	$1,607	64.3%	4.78%	1.10%
30104	Aragon	$1,607	66.9%	6.61%	1.35%
31329	Springfield	$1,606	21.1%	4.53%	2.33%
30619	Arnoldsville	$1,606	18.9%	4.17%	0.89%
30477	Wadley	$1,606	49.7%	5.37%	1.01%
30132	Dallas	$1,605	53.9%	6.81%	1.73%
39828	Cairo	$1,605	28.8%	4.95%	1.17%
39845	Donalsonville	$1,603	38.6%	3.13%	0.90%
30629	Comer	$1,602	34.4%	4.04%	1.39%
31501	Waycross	$1,601	23.2%	6.32%	1.75%
30354	Atlanta	$1,599	61.0%	8.37%	2.23%
30553	Lavonia	$1,598	32.1%	3.93%	1.06%
30730	Lyerly	$1,598	29.0%	3.57%	3.57%
31778	Pavo	$1,598	29.1%	4.64%	1.66%
31791	Sylvester	$1,598	19.4%	3.55%	0.84%
31714	Ashburn	$1,597	19.5%	4.11%	1.15%
39840	Cuthbert	$1,597	30.3%	3.54%	3.24%
31216	Macon	$1,596	46.0%	5.77%	1.79%
31204	Macon	$1,595	62.5%	8.32%	2.29%
31763	Leesburg	$1,591	53.5%	3.59%	1.32%
30907	Augusta	$1,591	107.0%	14.20%	2.01%
30173	Silver Creek	$1,591	25.2%	3.59%	1.22%
31065	Montrose	$1,589	4.1%	3.75%	1.88%
31701	Albany	$1,587	37.2%	3.71%	1.89%
30528	Cleveland	$1,587	51.0%	5.55%	0.95%
30512	Blairsville	$1,587	25.5%	2.84%	0.82%
31620	Adel	$1,586	21.2%	3.97%	1.22%
30340	Atlanta	$1,586	45.7%	4.99%	1.26%
30648	Lexington	$1,585	18.5%	2.71%	0.99%
31907	Columbus	$1,585	69.1%	10.74%	2.51%
30139	Fairmount	$1,584	58.4%	3.14%	0.90%
30103	Adairsville	$1,584	39.5%	4.62%	1.66%
39827	Cairo	$1,583	14.0%	1.35%	1.16%
31716	Baconton	$1,582	45.2%	4.23%	2.11%
30141	Hiram	$1,582	54.7%	8.61%	1.39%
31549	Lumber City	$1,581	11.0%	4.11%	2.74%
31795	Ty Ty	$1,581	27.5%	5.15%	0.86%
30217	Franklin	$1,581	63.6%	2.96%	1.18%
30828	Warrenton	$1,580	78.6%	4.85%	1.28%
31765	Meigs	$1,578	6.9%	2.00%	1.20%
30558	Maysville	$1,578	17.3%	3.18%	1.59%
31707	Albany	$1,576	26.3%	3.15%	1.34%
31001	Abbeville	$1,575	55.2%	10.93%	2.02%
30643	Hartwell	$1,574	16.1%	2.75%	1.36%
31756	Hartsfield	$1,574	13.7%	4.72%	1.57%
31787	Smithville	$1,572	17.6%	4.73%	0.59%
39897	Whigham	$1,572	9.6%	2.68%	1.15%
31071	Pineview	$1,572	20.1%	6.03%	4.31%
31082	Sandersville	$1,571	21.1%	4.67%	1.03%
31641	Naylor	$1,569	89.9%	5.88%	0.69%
30071	Norcross	$1,568	51.5%	7.34%	1.93%
30565	Nicholson	$1,568	27.0%	4.05%	0.63%
30137	Emerson	$1,567	16.9%	2.62%	1.12%
31622	Alapaha	$1,567	17.7%	5.10%	0.51%
30439	Metter	$1,565	23.1%	4.53%	0.78%
31033	Haddock	$1,565	48.7%	4.94%	0.29%
31605	Valdosta	$1,565	20.4%	4.13%	2.38%
31794	Tifton	$1,564	30.5%	3.50%	1.09%
31801	Box Springs	$1,564	54.1%	6.02%	1.25%
30179	Temple	$1,564	72.5%	8.69%	1.82%
31606	Valdosta	$1,563	25.4%	5.19%	1.51%
31545	Jesup	$1,562	28.1%	3.50%	1.31%
30170	Roopville	$1,561	25.7%	3.06%	1.19%
31709	Americus	$1,560	31.9%	3.88%	1.83%
31307	Eden	$1,559	7.8%	2.68%	N/A
30607	Athens	$1,558	18.6%	3.40%	1.90%
30504	Gainesville	$1,558	41.1%	4.93%	1.58%
31909	Columbus	$1,557	62.2%	9.31%	1.21%
30815	Hephzibah	$1,557	42.4%	8.10%	2.47%
31825	Richland	$1,557	11.5%	2.76%	1.10%
31735	Cobb	$1,557	46.4%	5.95%	1.49%
30401	Swainsboro	$1,556	78.6%	11.97%	0.89%
31711	Andersonville	$1,556	4.3%	1.69%	0.85%
30216	Flovilla	$1,553	23.4%	1.26%	0.51%
30531	Cornelia	$1,553	30.2%	4.44%	0.69%
31028	Centerville	$1,553	115.5%	12.82%	1.56%
30157	Dallas	$1,552	62.1%	7.57%	1.48%
31632	Hahira	$1,551	29.6%	3.38%	1.21%
30521	Carnesville	$1,549	17.1%	2.58%	0.95%
31635	Lakeland	$1,548	23.6%	4.31%	1.62%
30630	Crawford	$1,548	15.4%	2.32%	1.16%
31005	Bonaire	$1,547	68.5%	6.66%	2.04%
30739	Rock Spring	$1,547	33.2%	3.89%	0.86%
31550	Manor	$1,546	4.0%	2.94%	0.98%
31061	Milledgeville	$1,546	39.8%	6.27%	1.52%
30511	Baldwin	$1,544	40.0%	5.56%	1.03%
30260	Morrow	$1,544	48.5%	5.51%	3.06%
30110	Bremen	$1,544	52.7%	6.68%	1.71%
30746	Sugar Valley	$1,543	42.0%	8.19%	0.43%
30257	Milner	$1,542	17.0%	3.13%	2.09%
31771	Norman Park	$1,541	6.0%	2.99%	1.07%
39862	Leary	$1,541	16.8%	5.26%	1.05%
30575	Talmo	$1,539	14.5%	3.76%	N/A
30223	Griffin	$1,537	57.2%	5.37%	2.56%
30285	The Rock	$1,537	6.0%	2.75%	N/A
31041	Ideal	$1,536	33.5%	5.00%	1.25%
30710	Cohutta	$1,536	47.2%	4.45%	1.38%
31634	Homerville	$1,535	29.1%	6.52%	1.00%
39851	Fort Gaines	$1,534	15.4%	2.64%	1.32%
30707	Chickamauga	$1,533	46.8%	3.62%	1.31%
30442	Millen	$1,533	25.4%	6.60%	0.83%
30557	Martin	$1,532	23.3%	3.28%	0.97%
31076	Reynolds	$1,532	74.4%	7.30%	0.17%
30673	Washington	$1,531	12.5%	2.82%	0.88%
30113	Buchanan	$1,531	37.2%	4.39%	0.86%
30471	Twin City	$1,530	65.5%	7.55%	1.42%
30108	Bowdon	$1,529	24.8%	3.05%	0.71%
31750	Fitzgerald	$1,528	21.6%	4.26%	1.08%
30530	Commerce	$1,526	59.8%	3.67%	0.73%
30803	Avera	$1,526	165.9%	3.55%	N/A
31781	Poulan	$1,524	24.6%	6.28%	0.42%
31217	Macon	$1,522	35.3%	6.03%	2.79%
30021	Clarkston	$1,521	48.8%	6.88%	1.60%
31090	Toomsboro	$1,521	9.2%	3.25%	1.63%
30106	Austell	$1,520	61.4%	8.34%	1.62%
31649	Stockton	$1,518	33.5%	10.26%	N/A
30176	Tallapoosa	$1,518	27.1%	4.17%	0.98%
31744	Doerun	$1,516	81.6%	4.91%	1.16%
31705	Albany	$1,516	23.8%	3.81%	2.38%
30662	Royston	$1,515	56.8%	3.89%	0.97%
31021	Dublin	$1,514	44.7%	5.63%	1.57%
30008	Marietta	$1,514	69.6%	7.12%	1.65%
30752	Trenton	$1,514	86.7%	3.10%	1.52%
31088	Warner Robins	$1,513	54.4%	6.79%	1.74%
30168	Austell	$1,513	63.1%	9.15%	1.71%
30535	Demorest	$1,513	22.6%	4.30%	0.90%
30204	Barnesville	$1,512	77.5%	5.57%	1.91%
30445	Mount Vernon	$1,512	7.9%	2.92%	1.25%
31557	Patterson	$1,512	11.6%	3.43%	1.01%
30833	Wrens	$1,510	45.3%	9.66%	2.24%
30634	Dewy Rose	$1,509	20.3%	3.88%	0.78%
31044	Jeffersonville	$1,509	92.9%	7.41%	0.62%
30628	Colbert	$1,509	50.0%	4.16%	1.82%
31055	Mc Rae Helena	$1,508	64.1%	5.34%	0.20%
31519	Broxton	$1,508	19.6%	5.58%	0.49%
30046	Lawrenceville	$1,507	57.6%	6.70%	1.74%
30635	Elberton	$1,507	37.9%	4.33%	1.08%
30286	Thomaston	$1,507	35.2%	3.86%	1.32%
31513	Baxley	$1,506	41.6%	4.25%	0.37%
31316	Ludowici	$1,506	21.0%	3.87%	4.91%
30177	Tate	$1,505	137.2%	3.03%	N/A
31097	Yatesville	$1,503	17.6%	3.30%	1.47%
30728	La Fayette	$1,503	23.0%	3.37%	1.37%
39846	Edison	$1,501	0.4%	1.26%	0.63%
31087	Sparta	$1,501	44.8%	6.08%	1.23%
30605	Athens	$1,501	27.6%	4.11%	1.07%
31049	Kite	$1,500	248.3%	13.56%	1.27%
30747	Summerville	$1,500	51.1%	5.47%	1.71%
30547	Homer	$1,500	93.8%	4.18%	1.14%
31017	Danville	$1,499	32.5%	5.33%	2.00%
31069	Perry	$1,497	50.6%	6.20%	2.07%
31516	Blackshear	$1,496	43.3%	4.44%	0.78%
30633	Danielsville	$1,495	16.8%	2.94%	1.10%
30543	Gillsville	$1,493	54.5%	5.02%	1.52%
30072	Pine Lake	$1,493	33.6%	4.81%	N/A
31058	Mauk	$1,492	76.0%	10.50%	N/A
31774	Ocilla	$1,491	45.1%	4.87%	1.03%
30821	Norwood	$1,488	1.9%	0.98%	1.96%
30060	Marietta	$1,487	52.6%	5.10%	1.27%
30646	Hull	$1,487	48.6%	4.38%	1.34%
31788	Moultrie	$1,487	69.7%	5.61%	0.74%
30427	Glennville	$1,487	26.7%	3.84%	1.41%
30818	Matthews	$1,487	7.2%	2.04%	2.04%
30554	Lula	$1,486	19.6%	3.31%	1.66%
30753	Trion	$1,485	25.7%	2.56%	1.65%
30436	Lyons	$1,482	45.7%	5.38%	1.03%
31563	Surrency	$1,478	33.0%	5.70%	1.27%
31637	Lenox	$1,478	27.2%	5.00%	1.00%
39815	Attapulgus	$1,478	25.2%	4.49%	1.28%
31014	Cochran	$1,476	81.1%	7.46%	0.87%
39817	Bainbridge	$1,476	22.8%	4.79%	1.67%
30577	Toccoa	$1,474	39.9%	4.21%	1.42%
31780	Plains	$1,474	15.8%	3.77%	1.26%
31806	Ellaville	$1,473	13.8%	3.60%	1.26%
31719	Americus	$1,473	16.1%	4.35%	2.81%
30624	Bowman	$1,472	24.2%	2.89%	1.16%
30813	Grovetown	$1,471	85.5%	12.99%	3.16%
30805	Blythe	$1,471	3.0%	5.36%	2.08%
31542	Hoboken	$1,469	17.1%	4.83%	0.30%
30824	Thomson	$1,469	35.4%	4.83%	1.40%
30529	Commerce	$1,469	44.3%	5.54%	1.91%
31775	Omega	$1,469	20.9%	4.64%	0.84%
31512	Ambrose	$1,467	30.5%	5.94%	1.98%
30817	Lincolnton	$1,466	20.2%	2.93%	1.53%
30901	Augusta	$1,466	46.0%	7.67%	2.26%
30563	Mount Airy	$1,465	35.1%	5.69%	1.23%
30182	Waco	$1,463	64.7%	3.99%	0.84%
30428	Glenwood	$1,462	11.2%	3.49%	1.75%
30093	Norcross	$1,462	52.9%	6.14%	1.76%
31532	Denton	$1,461	64.4%	7.41%	N/A
31006	Butler	$1,461	66.7%	6.20%	1.62%
31206	Macon	$1,460	53.3%	7.30%	2.98%
30297	Forest Park	$1,456	56.7%	5.94%	2.72%
31553	Nahunta	$1,456	16.3%	3.87%	0.74%
31562	Saint George	$1,455	5.1%	0.93%	0.93%
31533	Douglas	$1,451	21.6%	4.12%	1.35%
31539	Hazlehurst	$1,450	18.2%	4.42%	1.83%
31008	Byron	$1,450	57.8%	6.22%	1.48%
30683	Winterville	$1,449	51.4%	3.75%	1.40%
30669	Union Point	$1,448	11.7%	2.34%	3.13%
31639	Nashville	$1,447	17.0%	3.55%	1.51%
30823	Stapleton	$1,446	33.8%	7.82%	0.82%
30660	Rayle	$1,445	3.4%	1.80%	0.90%
31050	Knoxville	$1,445	24.1%	3.39%	0.85%
30507	Gainesville	$1,444	48.2%	5.45%	2.04%
31601	Valdosta	$1,444	32.0%	4.56%	2.33%
31796	Warwick	$1,442	33.0%	5.26%	0.38%
30421	Collins	$1,441	71.7%	4.31%	1.44%
30453	Reidsville	$1,439	18.2%	4.43%	1.61%
30906	Augusta	$1,433	64.0%	10.20%	3.14%
30820	Mitchell	$1,433	101.6%	2.74%	N/A
31054	Mc Intyre	$1,432	28.5%	4.97%	0.55%
30417	Claxton	$1,429	32.7%	4.05%	1.08%
31022	Dudley	$1,427	19.9%	3.32%	1.66%
30473	Uvalda	$1,427	18.6%	5.36%	0.89%
31805	Cusseta	$1,426	29.8%	6.32%	2.11%
31037	Mc Rae Helena	$1,425	10.1%	1.89%	1.89%
31503	Waycross	$1,425	45.3%	3.96%	0.91%
30567	Pendergrass	$1,423	36.5%	2.42%	1.36%
31031	Gordon	$1,423	50.9%	5.74%	1.06%
30620	Bethlehem	$1,422	44.7%	6.09%	1.21%
31002	Adrian	$1,421	29.1%	7.54%	0.97%
30668	Tignall	$1,420	20.5%	2.90%	0.22%
30454	Rockledge	$1,420	14.1%	1.44%	0.72%
31537	Folkston	$1,419	32.8%	4.68%	1.63%
30516	Bowersville	$1,417	4.9%	1.50%	0.75%
30510	Alto	$1,417	67.4%	3.15%	1.22%
30562	Mountain City	$1,417	18.7%	3.00%	1.00%
31060	Milan	$1,412	16.0%	4.85%	N/A
30814	Harlem	$1,412	64.7%	4.86%	2.05%
31096	Wrightsville	$1,410	59.9%	5.43%	1.52%
30808	Dearing	$1,409	12.6%	2.95%	0.63%
31543	Hortense	$1,407	8.0%	1.34%	1.34%
30411	Alamo	$1,407	4.6%	2.24%	0.90%
30680	Winder	$1,407	56.7%	5.87%	1.76%
31023	Eastman	$1,406	32.6%	4.20%	0.73%
30735	Resaca	$1,405	17.0%	3.54%	1.42%
30520	Canon	$1,403	84.0%	4.75%	1.06%
31018	Davisboro	$1,396	50.7%	12.23%	0.72%
30755	Tunnel Hill	$1,396	25.1%	4.34%	0.73%
30336	Atlanta	$1,394	7.7%	1.72%	3.45%
30566	Oakwood	$1,393	33.8%	5.55%	2.15%
31093	Warner Robins	$1,393	36.1%	4.49%	2.06%
30079	Scottdale	$1,392	48.2%	4.75%	2.85%
30711	Crandall	$1,389	11.6%	2.79%	1.78%
31089	Tennille	$1,389	31.9%	5.73%	0.52%
31012	Chester	$1,384	31.9%	4.00%	2.00%
31068	Oglethorpe	$1,380	149.0%	6.45%	2.26%
31903	Columbus	$1,378	61.2%	8.83%	3.51%
31535	Douglas	$1,375	54.5%	5.29%	1.07%
31510	Alma	$1,374	75.5%	3.94%	0.90%
30538	Eastanollee	$1,368	11.5%	2.53%	0.84%
31035	Harrison	$1,363	14.5%	5.26%	1.17%
31554	Nicholls	$1,361	43.3%	3.37%	0.75%
30457	Soperton	$1,357	55.0%	6.16%	1.37%
31078	Roberta	$1,354	41.5%	10.96%	1.10%
31749	Enigma	$1,354	27.0%	3.29%	N/A
30810	Gibson	$1,353	14.1%	2.80%	2.34%
30456	Sardis	$1,350	22.8%	5.77%	0.48%
31642	Pearson	$1,345	11.0%	3.41%	N/A
31566	Waynesville	$1,344	6.0%	1.96%	1.68%
31624	Axson	$1,340	13.7%	3.53%	N/A
39854	Georgetown	$1,337	37.5%	6.44%	0.50%
30741	Rossville	$1,334	30.5%	3.77%	1.61%
30742	Fort Oglethorpe	$1,332	35.6%	3.85%	0.60%
31019	Dexter	$1,317	18.4%	4.41%	1.10%
30601	Athens	$1,314	30.9%	4.13%	2.09%
39825	Brinson	$1,310	8.8%	2.46%	1.97%
30705	Chatsworth	$1,308	39.3%	3.65%	1.21%
31009	Cadwell	$1,306	55.3%	6.94%	1.63%
30721	Dalton	$1,306	54.2%	5.58%	1.27%
31650	Willacoochee	$1,295	9.5%	2.23%	N/A
31075	Rentz	$1,272	43.5%	6.86%	0.88%
31027	East Dublin	$1,253	30.0%	4.28%	0.73%
31645	Ray City	$1,220	23.0%	3.70%	1.34%
31647	Sparks	$1,153	92.0%	3.57%	0.32%

Georgia Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Georgia compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Georgia

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Georgia ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

55.0

41st of 50 states by mean score · national mean 69.3

Counties joined

156

Distinct county FIPS on Georgia FIO ZIPs

Most common top hazard

Tornado

70 of 156 counties

Highest FEMA NRI counties in Georgia
County	Risk score	Rating	Top hazard
Chatham	97.4	Relatively High	Hurricane
Fulton	95.8	Relatively High	Earthquake
Gwinnett	95.4	Relatively High	Tornado

Counties with elevated FEMA hazard ratings in Georgia
Hazard	Elevated counties	Share of joined
Tornado	13	8%
Hurricane	6	4%
Flooding	4	3%
Hail	4	3%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Georgia: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,769/yr here).

South Carolina $1,765/yr Arkansas $1,736/yr Tennessee $1,728/yr South Dakota $1,854/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.47% here).

Mississippi 1.48% Idaho 1.50% North Dakota 1.38% Missouri 1.60%

Frequently Asked Questions

What is the average homeowners insurance cost in Georgia? ▼

Averaged across the 630 Georgia ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,769 ($2,010 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 0% below the national average of $1,776.

How have insurance premiums changed in Georgia? ▼

Georgia homeowners insurance premiums changed by +5.3% between 2018 and 2022. The average loss ratio is 43.4%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Georgia? ▼

The most expensive ZIP code for homeowners insurance in Georgia is 31561, with an average premium of $25,848/yr. The most affordable is 31647 at $1,153/yr.

What is the nonrenewal rate for Georgia homeowners insurance? ▼

Averaged across the Georgia ZIP codes that report one, the nonrenewal rate is 1.47%. This rate has changed by +46.1% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 30344 has the highest nonrenewal rate in the state at 3.09%.

What is a loss ratio and what does Georgia's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Georgia's average loss ratio is 43.4%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Georgia? ▼

The average claim frequency in Georgia is 5.47%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $13,898. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Georgia? ▼

Across 156 FEMA National Risk Index counties that join to Georgia ZIP codes in the FIO file, the mean county risk score is 55.0 (21% below the 50-state mean of 69.3). The most common county-level top hazard is Tornado (70 of 156 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (13), Hurricane (6), Flooding (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Georgia in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Georgia ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Georgia Homeowners Insurance

How Georgia Compares

Data Snapshot: Georgia Homeowners Insurance

Loss Ratio Reading: Georgia

Premium Trends (2018-2022)

Average premium in Georgia, 2018–2022

Most Expensive ZIP Codes in Georgia

Most Affordable ZIP Codes in Georgia

All ZIP Codes in Georgia

Georgia Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related