Data · May 2026 data · 13-month trend
Georgia Flood Insurance Costs
Georgia's flood insurance cost index stood at $856 in May 2026, measured across policies newly written or renewed that month. Against a national average of $982, the state sits 12.8% lower. The figure is up 7.2% year over year. The month's tally covers 6,005 policy transactions across 121 counties, with Decatur County posting the highest average premium at $2,235.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $856
- Avg total cost (with fees)
- $1,125
- Change (year over year)
- +7.2%
- vs national average
- -12.8%
- Policies written or renewed
- 6,005
- Counties reporting
- 121
Georgia trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $798 | $1,058 | 6,419 | |
| June 2025 | $808 | $1,068 | 7,184 | |
| July 2025 | $846 | $1,112 | 7,831 | |
| August 2025 | $872 | $1,150 | 7,518 | |
| September 2025 | $795 | $1,056 | 7,587 | |
| October 2025 | $825 | $1,093 | 6,803 | |
| November 2025 | $816 | $1,083 | 5,011 | |
| December 2025 | $903 | $1,192 | 4,192 | |
| January 2026 | $874 | $1,152 | 3,960 | |
| February 2026 | $911 | $1,203 | 4,324 | |
| March 2026 | $879 | $1,162 | 5,351 | |
| April 2026 | $864 | $1,136 | 5,414 | |
| May 2026 | $856 | $1,125 | 6,005 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Decatur County | $2,235 | $2,752 | 21 | |
| Treutlen County | $2,120 | $2,574 | 1 | |
| Walton County | $1,985 | $2,527 | 2 | |
| Towns County | $1,941 | $2,588 | 2 | |
| Laurens County | $1,909 | $2,494 | 4 | |
| Troup County | $1,876 | $2,435 | 6 | |
| Clayton County | $1,737 | $2,172 | 18 | |
| Jenkins County | $1,734 | $2,118 | 4 | |
| Baker County | $1,683 | $2,058 | 1 | |
| Cherokee County | $1,680 | $2,124 | 16 | |
| Fannin County | $1,661 | $2,170 | 31 | |
| Floyd County | $1,603 | $2,056 | 17 | |
| Rabun County | $1,572 | $2,107 | 15 | |
| Tattnall County | $1,554 | $1,906 | 1 | |
| Haralson County | $1,551 | $1,903 | 3 | |
| Atkinson County | $1,535 | $1,883 | 1 | |
| Gilmer County | $1,503 | $1,899 | 17 | |
| Whitfield County | $1,496 | $1,924 | 18 | |
| Monroe County | $1,489 | $1,828 | 4 | |
| Pike County | $1,488 | $1,828 | 1 | |
| Macon County | $1,449 | $1,969 | 6 | |
| Barrow County | $1,410 | $1,820 | 8 | |
| Worth County | $1,408 | $1,808 | 3 | |
| Colquitt County | $1,356 | $1,813 | 8 | |
| Stephens County | $1,347 | $1,661 | 2 | |
| Habersham County | $1,312 | $1,695 | 3 | |
| Crisp County | $1,297 | $1,629 | 17 | |
| Walker County | $1,293 | $1,654 | 12 | |
| Jackson County | $1,273 | $1,649 | 3 | |
| Muscogee County | $1,246 | $1,628 | 47 | |
| Union County | $1,239 | $1,647 | 12 | |
| Lee County | $1,219 | $1,551 | 17 | |
| Pierce County | $1,191 | $1,477 | 2 | |
| Gordon County | $1,186 | $1,574 | 11 | |
| Rockdale County | $1,184 | $1,469 | 7 | |
| Polk County | $1,146 | $1,559 | 20 | |
| Newton County | $1,127 | $1,451 | 14 | |
| Bleckley County | $1,121 | $1,395 | 2 | |
| Catoosa County | $1,113 | $1,420 | 19 | |
| White County | $1,103 | $1,463 | 5 | |
| Pulaski County | $1,071 | $1,448 | 2 | |
| Butts County | $1,071 | $1,336 | 11 | |
| Bartow County | $1,069 | $1,390 | 12 | |
| Chattooga County | $1,049 | $1,422 | 6 | |
| Lumpkin County | $1,038 | $1,297 | 1 | |
| Paulding County | $1,032 | $1,290 | 10 | |
| Douglas County | $1,009 | $1,332 | 13 | |
| Wilcox County | $995 | $1,246 | 1 | |
| Mitchell County | $994 | $1,280 | 13 | |
| Ware County | $991 | $1,331 | 15 | |
| Dougherty County | $970 | $1,292 | 60 | |
| Sumter County | $969 | $1,252 | 12 | |
| Cobb County | $969 | $1,253 | 184 | |
| Coffee County | $934 | $1,174 | 2 | |
| Seminole County | $909 | $1,257 | 4 | |
| Baldwin County | $905 | $1,230 | 5 | |
| Bryan County | $893 | $1,155 | 258 | |
| Bulloch County | $893 | $1,199 | 31 | |
| Brantley County | $889 | $1,146 | 9 | |
| Putnam County | $888 | $1,270 | 3 | |
| McIntosh County | $887 | $1,167 | 47 | |
| Murray County | $878 | $1,108 | 3 | |
| Dooly County | $877 | $1,107 | 4 | |
| Dodge County | $866 | $1,094 | 1 | |
| Richmond County | $863 | $1,136 | 45 | |
| Emanuel County | $862 | $1,164 | 3 | |
| Lowndes County | $855 | $1,122 | 27 | |
| Columbia County | $844 | $1,126 | 27 | |
| Toombs County | $840 | $1,175 | 4 | |
| Chatham County | $829 | $1,090 | 2,090 | |
| Screven County | $825 | $1,046 | 1 | |
| Jasper County | $816 | $1,034 | 2 | |
| DeKalb County | $807 | $1,065 | 236 | |
| Grady County | $806 | $1,136 | 2 | |
| Charlton County | $806 | $1,023 | 3 | |
| Houston County | $800 | $1,062 | 39 | |
| Bibb County | $798 | $1,170 | 23 | |
| Liberty County | $795 | $1,070 | 110 | |
| Thomas County | $786 | $1,056 | 8 | |
| Glynn County | $784 | $1,037 | 1,444 | |
| Gwinnett County | $775 | $1,016 | 61 | |
| Forsyth County | $774 | $1,028 | 21 | |
| Carroll County | $774 | $1,002 | 13 | |
| Long County | $757 | $1,030 | 21 | |
| Harris County | $757 | $997 | 7 | |
| Effingham County | $756 | $985 | 55 | |
| Fulton County | $749 | $991 | 224 | |
| Spalding County | $748 | $954 | 5 | |
| Dawson County | $741 | $946 | 1 | |
| Camden County | $732 | $962 | 256 | |
| Clarke County | $729 | $961 | 8 | |
| Oglethorpe County | $729 | $932 | 2 | |
| FIPS 13000 | $722 | $924 | 2 | |
| Fayette County | $719 | $950 | 23 | |
| Upson County | $682 | $877 | 2 | |
| Henry County | $673 | $866 | 21 | |
| Oconee County | $661 | $908 | 4 | |
| Peach County | $660 | $925 | 3 | |
| Wayne County | $659 | $906 | 4 | |
| Burke County | $641 | $828 | 1 | |
| McDuffie County | $620 | $803 | 2 | |
| Jones County | $619 | $848 | 5 | |
| Ben Hill County | $605 | $899 | 2 | |
| Coweta County | $602 | $800 | 13 | |
| Turner County | $577 | $753 | 2 | |
| Hall County | $573 | $860 | 8 | |
| Washington County | $565 | $889 | 3 | |
| Clinch County | $559 | $732 | 2 | |
| Banks County | $538 | $707 | 1 | |
| Tift County | $534 | $758 | 8 | |
| Cook County | $515 | $725 | 5 | |
| Heard County | $507 | $670 | 1 | |
| Jeff Davis County | $498 | $716 | 4 | |
| Meriwether County | $494 | $655 | 1 | |
| Pickens County | $493 | $654 | 3 | |
| Jefferson County | $475 | $633 | 1 | |
| Terrell County | $447 | $599 | 1 | |
| Appling County | $426 | $665 | 10 | |
| Elbert County | $376 | $516 | 1 | |
| Lamar County | $350 | $485 | 1 | |
| Berrien County | $345 | $554 | 3 |
Use this data
Download Georgia CSV (georgia.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Georgia Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/georgia
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.