How Much is Flood Insurance in Georgia?
The average cost per policy in Georgia through the NFIP is $1,032.38. Depending on where you live, this average could vary substantially! If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
City | Average Cost per Policy |
|---|---|
Atlanta | $1,058.96 |
Augusta | $953.49 |
Columbus | $1,185.73 |
Macon County | $1,035.08 |
Savannah | $907.80 |
Athens | $1,204.77 |
Sandy Springs | $612.41 |
Roswell | $828.78 |
Johns Creek | $753.20 |
Warner Robins | $1,318.27 |
*NFIP Average Prices as of April 30th, 2025.
Our Private Flood Insurance Prices Are Often Lower!
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
Easily compare rates from top-rated private flood insurance carriers with an NFIP quote. We offer both! Quote online to compare prices and save money on flood insurance.
Do I Need Flood Insurance in Georgia?
90% of all natural disasters in the U.S. involve flooding. And 20% of all flood events occur in areas considered low risk. So if you are close to a flood zone, even if it's not required, we strongly recommend considering flood insurance. Flood zone maps are often outdated and may not provide a reliable indication of risk.
To find out if you're in a flood zone, enter your address into our Flood Zone Lookup Tool.
In Georgia, more rain is falling and the sea level is rising about one inch every decade. Higher water levels are eroding beaches, immersing low lands, and worsening coastal flooding.
How to Get Flood Insurance Without a Flood Elevation Certificate
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
Does My Homeowners Insurance Cover Flooding?
Homeowners insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!
How to Get Cheap Flood Insurance in Georgia
To find affordable flood insurance that fits your needs, we suggest you compare both NFIP and top-rated private flood insurance options. We offer both! Use our online quote tool to quickly compare.
How Much Could Flood Damage to your home cost you in Georgia?
Experiencing a flood in your home can be emotionally and financially devastating. Use the tool below to see how much even just an inch of water could cost you. Flood Insurance can help you get back on your feet.
Get an Instant Flood Insurance Quote Online
Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage at the lowest price.
Flood Insurance Pricing Changes in Georgia
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
As a result, most policyholders in Georgia have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why Did the NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and moved toward assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare NFIP with Private Flood Insurance Premiums Online
At FloodPrice, you can compare NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
Need help from a Flood Expert? Call us at 866-503-5663 for personalized assistance.
