Data · June 2026 data · 14-month trend
Georgia Flood Insurance Costs
Georgia's flood insurance cost index stood at $872 in June 2026, measured across policies newly written or renewed that month. Against a national average of $1,001, the state sits 12.9% lower. The figure is up 7.9% year over year. The month's tally covers 6,875 policy transactions across 124 counties, with Bleckley County posting the highest average premium at $4,355.
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 — June 2026
- Average premium
- $872
- Avg total cost (with fees)
- $1,144
- Change (year over year)
- +7.9%
- vs national average
- -12.9%
- Policies written or renewed
- 6,875
- Counties reporting
- 124
Georgia trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Bleckley County | $4,355 | $5,436 | 1 | |
| Hart County | $3,893 | $4,891 | 1 | |
| Baker County | $3,206 | $3,968 | 4 | |
| Floyd County | $2,069 | $2,648 | 25 | |
| Wheeler County | $2,046 | $2,711 | 1 | |
| Gordon County | $2,020 | $2,661 | 11 | |
| Morgan County | $1,914 | $2,331 | 1 | |
| Butts County | $1,852 | $2,370 | 6 | |
| Rabun County | $1,836 | $2,343 | 13 | |
| Troup County | $1,802 | $2,401 | 10 | |
| Jenkins County | $1,792 | $2,336 | 3 | |
| Gilmer County | $1,686 | $2,222 | 21 | |
| Baldwin County | $1,671 | $2,099 | 4 | |
| Habersham County | $1,641 | $2,158 | 3 | |
| Fannin County | $1,598 | $2,092 | 25 | |
| Montgomery County | $1,594 | $2,043 | 5 | |
| Early County | $1,556 | $1,908 | 3 | |
| Telfair County | $1,496 | $1,837 | 1 | |
| Lumpkin County | $1,433 | $1,838 | 3 | |
| Worth County | $1,424 | $1,864 | 4 | |
| Towns County | $1,418 | $1,895 | 12 | |
| Lee County | $1,408 | $1,764 | 15 | |
| Monroe County | $1,402 | $1,727 | 5 | |
| Clarke County | $1,379 | $1,723 | 49 | |
| Crawford County | $1,362 | $1,679 | 1 | |
| Bibb County | $1,356 | $1,760 | 23 | |
| Colquitt County | $1,343 | $1,747 | 5 | |
| White County | $1,323 | $1,827 | 21 | |
| Toombs County | $1,209 | $1,555 | 8 | |
| Carroll County | $1,190 | $1,521 | 15 | |
| Crisp County | $1,157 | $1,588 | 9 | |
| Upson County | $1,150 | $1,541 | 2 | |
| Bartow County | $1,143 | $1,458 | 12 | |
| Walker County | $1,133 | $1,534 | 9 | |
| Franklin County | $1,128 | $1,403 | 1 | |
| Greene County | $1,125 | $1,625 | 1 | |
| Polk County | $1,118 | $1,458 | 10 | |
| Newton County | $1,111 | $1,411 | 8 | |
| Whitfield County | $1,101 | $1,416 | 15 | |
| Brooks County | $1,091 | $1,450 | 5 | |
| Pulaski County | $1,085 | $1,352 | 2 | |
| Mitchell County | $1,081 | $1,363 | 14 | |
| Decatur County | $1,077 | $1,379 | 19 | |
| Fulton County | $1,076 | $1,386 | 173 | |
| Union County | $1,075 | $1,435 | 12 | |
| Macon County | $1,008 | $1,261 | 1 | |
| Bryan County | $951 | $1,236 | 376 | |
| Dawson County | $950 | $1,268 | 3 | |
| Catoosa County | $949 | $1,231 | 23 | |
| Pike County | $946 | $1,413 | 1 | |
| Laurens County | $943 | $1,241 | 4 | |
| Dade County | $927 | $1,278 | 2 | |
| Coffee County | $923 | $1,189 | 8 | |
| Chatham County | $918 | $1,200 | 2,382 | |
| Dougherty County | $910 | $1,208 | 87 | |
| Putnam County | $910 | $1,221 | 3 | |
| Ware County | $877 | $1,211 | 13 | |
| Thomas County | $873 | $1,192 | 10 | |
| Gwinnett County | $862 | $1,117 | 78 | |
| Forsyth County | $860 | $1,103 | 14 | |
| Candler County | $852 | $1,077 | 3 | |
| Seminole County | $850 | $1,125 | 18 | |
| Liberty County | $848 | $1,102 | 125 | |
| Clayton County | $847 | $1,146 | 24 | |
| McIntosh County | $846 | $1,108 | 60 | |
| Cobb County | $840 | $1,097 | 180 | |
| Henry County | $840 | $1,084 | 21 | |
| FIPS 13000 | $834 | $1,281 | 1 | |
| Jasper County | $825 | $1,046 | 2 | |
| Houston County | $821 | $1,068 | 33 | |
| Glynn County | $819 | $1,086 | 1,484 | |
| Harris County | $819 | $1,113 | 6 | |
| Cherokee County | $791 | $1,029 | 19 | |
| Oconee County | $781 | $993 | 4 | |
| Rockdale County | $778 | $990 | 6 | |
| Ben Hill County | $766 | $1,051 | 3 | |
| Bulloch County | $757 | $1,005 | 34 | |
| Tattnall County | $752 | $1,072 | 4 | |
| Sumter County | $752 | $988 | 8 | |
| Walton County | $749 | $955 | 6 | |
| Columbia County | $725 | $939 | 41 | |
| Richmond County | $719 | $955 | 53 | |
| Jackson County | $713 | $988 | 3 | |
| Chattooga County | $712 | $1,137 | 1 | |
| Camden County | $709 | $941 | 340 | |
| Oglethorpe County | $708 | $1,020 | 2 | |
| Coweta County | $700 | $969 | 19 | |
| Stephens County | $698 | $986 | 5 | |
| Berrien County | $697 | $1,007 | 6 | |
| Peach County | $694 | $1,026 | 5 | |
| Paulding County | $689 | $885 | 6 | |
| Brantley County | $680 | $874 | 8 | |
| Jeff Davis County | $677 | $1,006 | 5 | |
| Douglas County | $675 | $943 | 12 | |
| Clinch County | $668 | $892 | 7 | |
| Wayne County | $667 | $915 | 4 | |
| Tift County | $648 | $890 | 17 | |
| Long County | $648 | $897 | 26 | |
| Effingham County | $644 | $842 | 62 | |
| Muscogee County | $643 | $872 | 58 | |
| Fayette County | $639 | $855 | 31 | |
| Spalding County | $630 | $836 | 11 | |
| Barrow County | $629 | $814 | 2 | |
| Bacon County | $620 | $804 | 1 | |
| Appling County | $618 | $970 | 16 | |
| Hall County | $615 | $862 | 7 | |
| Atkinson County | $596 | $775 | 3 | |
| Pickens County | $589 | $841 | 3 | |
| Lowndes County | $567 | $791 | 32 | |
| Murray County | $566 | $815 | 3 | |
| Evans County | $547 | $717 | 2 | |
| Screven County | $520 | $686 | 1 | |
| DeKalb County | $490 | $645 | 428 | |
| McDuffie County | $482 | $640 | 2 | |
| Grady County | $478 | $636 | 1 | |
| Miller County | $465 | $621 | 1 | |
| Calhoun County | $455 | $609 | 1 | |
| Pierce County | $434 | $583 | 3 | |
| Webster County | $410 | $669 | 2 | |
| Cook County | $399 | $542 | 2 | |
| Jones County | $370 | $509 | 1 | |
| Washington County | $334 | $541 | 3 | |
| Lanier County | $332 | $464 | 1 | |
| Burke County | $267 | $387 | 1 |
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, June 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.