Data · July 2026 data · 15-month trend
Georgia Flood Insurance Costs
Georgia's flood insurance cost index stood at $910 in July 2026, measured across policies newly written or renewed that month. Against a national average of $986, the state sits 7.7% lower. The figure is up 7.5% year over year. The month's tally covers 7,518 policy transactions across 123 counties, with Whitfield County posting the highest average premium at $3,075.
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 — July 2026
- Average premium
- $910
- Avg total cost (with fees)
- $1,187
- Change (year over year)
- +7.5%
- vs national average
- -7.7%
- Policies written or renewed
- 7,518
- Counties reporting
- 123
Georgia trend, last 15 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 | 7,186 | |
| July 2025 | $846 | $1,112 | 7,833 | |
| August 2025 | $872 | $1,149 | 7,519 | |
| September 2025 | $796 | $1,057 | 7,590 | |
| October 2025 | $825 | $1,093 | 6,804 | |
| November 2025 | $817 | $1,083 | 5,012 | |
| December 2025 | $903 | $1,193 | 4,195 | |
| January 2026 | $874 | $1,153 | 3,960 | |
| February 2026 | $908 | $1,200 | 4,345 | |
| March 2026 | $885 | $1,169 | 5,363 | |
| April 2026 | $864 | $1,136 | 5,419 | |
| May 2026 | $862 | $1,133 | 6,218 | |
| June 2026 | $872 | $1,144 | 6,875 | |
| July 2026 | $910 | $1,187 | 7,518 |
County breakdown — July 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 |
|---|---|---|---|---|
| Whitfield County | $3,075 | $3,855 | 16 | |
| Wheeler County | $2,613 | $3,155 | 1 | |
| Rabun County | $2,601 | $3,263 | 11 | |
| Troup County | $2,080 | $2,683 | 10 | |
| Fannin County | $1,960 | $2,560 | 27 | |
| Taliaferro County | $1,959 | $2,609 | 1 | |
| Gilmer County | $1,835 | $2,321 | 16 | |
| Sumter County | $1,825 | $2,316 | 5 | |
| Carroll County | $1,821 | $2,269 | 14 | |
| Monroe County | $1,736 | $2,121 | 5 | |
| Union County | $1,666 | $2,119 | 14 | |
| Worth County | $1,628 | $2,134 | 8 | |
| Talbot County | $1,625 | $2,215 | 1 | |
| Banks County | $1,519 | $1,864 | 4 | |
| Decatur County | $1,497 | $1,892 | 21 | |
| Lumpkin County | $1,472 | $1,809 | 4 | |
| White County | $1,435 | $1,915 | 13 | |
| Dodge County | $1,433 | $1,763 | 1 | |
| Harris County | $1,419 | $1,746 | 4 | |
| Jenkins County | $1,336 | $1,761 | 2 | |
| Catoosa County | $1,326 | $1,680 | 21 | |
| Crisp County | $1,312 | $1,665 | 15 | |
| Dougherty County | $1,296 | $1,700 | 114 | |
| Baker County | $1,224 | $1,742 | 2 | |
| Butts County | $1,220 | $1,568 | 12 | |
| Newton County | $1,192 | $1,548 | 13 | |
| Putnam County | $1,188 | $1,548 | 3 | |
| Cherokee County | $1,170 | $1,465 | 19 | |
| Towns County | $1,158 | $1,484 | 5 | |
| Early County | $1,130 | $1,406 | 3 | |
| Gordon County | $1,126 | $1,485 | 8 | |
| Muscogee County | $1,124 | $1,472 | 40 | |
| Dooly County | $1,123 | $1,397 | 2 | |
| Stephens County | $1,104 | $1,487 | 4 | |
| Bibb County | $1,103 | $1,426 | 30 | |
| Madison County | $1,101 | $1,427 | 4 | |
| Pierce County | $1,079 | $1,345 | 4 | |
| Floyd County | $1,054 | $1,406 | 30 | |
| Miller County | $1,054 | $1,315 | 3 | |
| Seminole County | $1,045 | $1,401 | 7 | |
| Jasper County | $1,035 | $1,369 | 3 | |
| McDuffie County | $1,024 | $1,355 | 3 | |
| Dawson County | $1,011 | $1,265 | 1 | |
| Hancock County | $1,010 | $1,264 | 1 | |
| Forsyth County | $976 | $1,224 | 17 | |
| Long County | $972 | $1,245 | 26 | |
| Hall County | $967 | $1,214 | 8 | |
| Toombs County | $958 | $1,267 | 7 | |
| Charlton County | $941 | $1,257 | 3 | |
| Chatham County — June 2026 profile | $939 | $1,221 | 2,720 | |
| Cobb County | $933 | $1,202 | 214 | |
| Echols County | $932 | $1,172 | 1 | |
| Bryan County | $922 | $1,196 | 381 | |
| Tattnall County | $916 | $1,217 | 7 | |
| Lowndes County | $905 | $1,182 | 54 | |
| DeKalb County | $899 | $1,182 | 221 | |
| Habersham County | $897 | $1,206 | 6 | |
| Clayton County | $892 | $1,183 | 39 | |
| Liberty County | $882 | $1,157 | 199 | |
| Pulaski County | $879 | $1,184 | 3 | |
| Bulloch County | $877 | $1,160 | 30 | |
| Walker County | $873 | $1,177 | 12 | |
| Lee County | $870 | $1,131 | 21 | |
| Clinch County | $857 | $1,084 | 3 | |
| Douglas County | $857 | $1,146 | 18 | |
| Richmond County | $857 | $1,119 | 62 | |
| Ware County | $857 | $1,135 | 13 | |
| Thomas County | $857 | $1,143 | 15 | |
| Glynn County | $849 | $1,112 | 1,577 | |
| Brantley County | $847 | $1,117 | 5 | |
| Columbia County | $844 | $1,101 | 67 | |
| Walton County | $835 | $1,057 | 5 | |
| Meriwether County | $833 | $1,054 | 2 | |
| McIntosh County | $832 | $1,107 | 80 | |
| Wayne County | $831 | $1,120 | 10 | |
| Mitchell County | $803 | $1,075 | 16 | |
| Gwinnett County | $797 | $1,042 | 81 | |
| Barrow County | $779 | $991 | 4 | |
| Clarke County | $778 | $1,035 | 15 | |
| Pike County | $776 | $1,213 | 1 | |
| Henry County | $775 | $1,055 | 33 | |
| Coweta County | $774 | $985 | 19 | |
| Polk County | $773 | $1,030 | 5 | |
| Rockdale County | $773 | $984 | 8 | |
| Emanuel County | $767 | $977 | 1 | |
| Houston County | $766 | $995 | 36 | |
| Jackson County | $762 | $1,009 | 6 | |
| Colquitt County | $756 | $1,054 | 5 | |
| Camden County | $744 | $979 | 346 | |
| Screven County | $740 | $1,001 | 4 | |
| Paulding County | $729 | $970 | 12 | |
| Bartow County | $721 | $934 | 20 | |
| Tift County | $716 | $933 | 14 | |
| Coffee County | $704 | $903 | 1 | |
| Jefferson County | $701 | $899 | 1 | |
| Murray County | $696 | $893 | 2 | |
| Bleckley County | $681 | $1,101 | 1 | |
| Peach County | $675 | $944 | 3 | |
| Fulton County | $667 | $871 | 327 | |
| Laurens County | $662 | $966 | 6 | |
| Effingham County | $627 | $826 | 91 | |
| Oconee County | $624 | $853 | 5 | |
| Cook County | $618 | $876 | 3 | |
| Fayette County | $615 | $830 | 41 | |
| Baldwin County | $567 | $741 | 5 | |
| Atkinson County | $565 | $964 | 3 | |
| Greene County | $565 | $739 | 2 | |
| Jeff Davis County | $552 | $836 | 2 | |
| Evans County | $539 | $933 | 2 | |
| Spalding County | $524 | $733 | 16 | |
| Chattahoochee County | $524 | $916 | 2 | |
| Terrell County | $512 | $789 | 2 | |
| Grady County | $500 | $662 | 2 | |
| Jones County | $483 | $867 | 1 | |
| Lanier County | $471 | $628 | 3 | |
| Appling County | $450 | $703 | 9 | |
| Burke County | $422 | $682 | 2 | |
| Ben Hill County | $392 | $535 | 1 | |
| Pickens County | $376 | $516 | 1 | |
| Turner County | $354 | $490 | 1 | |
| Washington County | $340 | $699 | 3 | |
| Brooks County | $327 | $458 | 1 | |
| Berrien County | $313 | $442 | 2 |
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 (NFIP Redacted Policies v3).
"Georgia Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/georgia
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.