Flood insurance in Georgia: cost by ZIP code and county
Georgia's 55,072 single-family flood policies had a median yearly bill of $1,011 on July 31, 2026.
Median single-family flood bill, Georgia
$1,011
55,072 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,138 |
| Policies still below their full-risk price | 43 % |
| Median paid in August 2023 | $760 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,690 |
| Median claim paid, 2016 to 2025 (4,543 claims) | $15,562 |
Compiled by Radif Partners · Where the numbers come from · 403 ZIP codes and 133 counties of Georgia in FEMA's tables · not a quote
The typical Georgia homeowner with federal flood coverage paid $1,011 a year on July 31, 2026, the median total bill (premium, Reserve Fund Assessment, HFIAA surcharge and policy fee) of 55,072 single-family policies. Most of that book is in a handful of counties: Chatham County, home to Savannah, holds 18,843 policies, and Chatham, Glynn, Bryan, Camden and Liberty counties together hold 35,257, about 64 % of the total. Georgia bills sit closer to full risk than the national picture: the median full-risk bill is $1,138, and 43 % of policies remain below their full-risk premium, against 47 % nationwide. In X zones the median bill of $852 is almost at its full-risk level of $871; in A zones the median of $1,121 still has room to rise toward $1,418. Paid single-family claims from 2016 to 2025 numbered 4,543, with a median of $15,562.
A book concentrated in a few counties
FEMA's 2023 data put 64 % of the state's single-family policies within reach of storm surge. In Chatham County the median bill was $1,034; in Glynn County, which includes Brunswick, it was $1,071.
Those two counties also lead the claims file. Chatham recorded 1,316 paid single-family claims over 2016 to 2025 and Glynn 843. Hurricane Irma in 2017 paid 1,566 claims statewide, $59,620,291 in all, ahead of Hurricane Matthew (2016, 552 claims).
Georgia median bill by kind of flood zone
Median yearly cost, A zones, Georgia
$1,121
| Same zone type, whole country | $1,197 |
| V zones in Georgia | $1,518 |
| X, B, C zones in Georgia | $852 |
Metro Atlanta: fewer policies, larger losses
Fulton, Cobb and DeKalb counties hold 6,245 policies between them, a small fraction of the five-county total of 35,257. The median paid claim in Fulton County was $20,792 and in Cobb $18,258, both above Chatham's $13,916. Bills in the metro are lower, $890 at the median in Fulton, and close to full risk. DeKalb County, which shares Atlanta with Fulton, had 2,130 policies at a median of $928, and Cobb County 2,014 at $896. For an owner in these three counties, the yearly bill is modest next to the size of a typical paid claim.
Hurricane Helene (2024) made landfall in the Florida Big Bend and then crossed Georgia, according to the National Hurricane Center report, and paid 456 single-family claims, $23,640,703 in total. FEMA's 2023 table rates every Georgia policy as exposed to inland flooding, whatever its surge exposure.
Where bills still have to climb
Half of Chatham's policies (51 %) remain below full risk, more than in Fulton (31 %). The largest county gap in the 2023 tables was in Habersham County, where a small group of 51 policies paid $987 at the median against a full-risk figure of $3,684. The rate increase guide explains how the 18 % yearly cap closes such a gap, and the county table below gives each county's own numbers.
The Georgia counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Chatham County | 18,843 | $1,034 | $1,225 | 51 % | 2 | $736 | $13,916 |
| Glynn County | 9,081 | $1,071 | $1,222 | 42 % | 1 | $780 | $17,458 |
| Bryan County | 3,011 | $1,084 | $1,275 | 51 % | 2 | $780 | $15,571 |
| Camden County | 2,906 | $935 | $961 | 32 % | 1 | $735 | $16,161 |
| Fulton County | 2,101 | $890 | $949 | 31 % | 1 | $756 | $20,792 |
| DeKalb County | 2,130 | $928 | $966 | 32 % | 1 | $772 | $9,949 |
| Cobb County | 2,014 | $896 | $952 | 37 % | 1 | $760 | $18,258 |
| Liberty County | 1,416 | $931 | $986 | 44 % | 1 | $733 | $19,985 |
Full-risk prices of Georgia homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 27,518 | 45.5 % | $372,395 |
| $1,000 to $2,000 | 22,307 | 36.9 % | $422,880 |
| $2,000 to $3,000 | 6,104 | 10.1 % | $468,996 |
| $3,000 to $4,000 | 2,286 | 3.8 % | $542,778 |
| $4,000 to $5,000 | 1,094 | 1.8 % | $575,088 |
| $5,000 or more | 1,164 | 1.9 % |
The floods that paid the most Georgia claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Irma | 2017 | 1,566 | $59,620,291 |
| Hurricane Helene | 2024 | 456 | $23,640,703 |
| Hurricane Matthew | 2016 | 552 | $13,165,495 |