Flood insurance cost in Georgia
In Georgia, the lowest private flood insurance quote ran $642 a year and the typical private quote ran $1,443. The NFIP quote ran $1,524.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 92% of those 79 properties. The typical private quote came in 2% above NFIP.
Median annual premiums from 1,419 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $462 | $785 | $975 | 526 |
| Zone A, AE, AH and AO (high risk) | $804 | $1,939 | $1,974 | 893 |
| Residential properties | $633 | $1,436 | $1,480 | 1,380 |
How quotes have moved since 2020
- Lowest private quote$678 in 2026
- Typical private quote$1,442 in 2026
- NFIP quote$1,967 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $612 | $827 | $1,790 | 642 |
| 2021 | $574 | $1,094 | $1,525 | 594 |
| 2022 | $806 | $1,098 | n/a | 201 |
| 2023 | $1,075 | $1,673 | n/a | 166 |
| 2024 | $718 | $1,517 | $1,158 | 504 |
| 2025 | $609 | $1,412 | $1,469 | 793 |
| 2026* | $678 | $1,442 | $1,967 | 495 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Georgia?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Georgia was $1,443 a year and the lowest private quote a property received was $642. NFIP quotes ran $1,524. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Georgia?
- Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 92% of those 79 properties. The typical private quote came in 2% above NFIP.
- How much does the flood zone change the price in Georgia?
- Properties in high-risk A zones were quoted a typical $1,939 a year for private flood insurance, against $785 in moderate to low risk X zones. The lowest quotes ran $804 and $462.
- Where do these numbers come from?
- From 1,419 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Georgia
- Flood insurance in Georgia: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.