Georgia

Home insurance overview — 630 ZIP codes, 475 cities

Avg Premium (2025 Est.)

$1,998

+13.0% from 2022

Nonrenewal Rate

1.47%

5yr Storm Damage

$149.0M

Georgia Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
College Park	1	$2,400	74	+15.2%	High
Conley	1	$2,184	71	+16.2%	High
Gay	1	$2,242	70	+11.3%	High
Walthourville	1	$2,071	70	+10.8%	High
South Fulton	5	$2,215	70	+15.5%	High
Woodbury	1	$2,053	70	+10.3%	High
Redan	1	$2,224	69	+15.4%	High
Stonecrest	3	$2,331	69	+14.9%	High
Chattahoochee Hills	1	$2,229	69	+16.1%	High
Good Hope	1	$2,074	68	+11.5%	High
Panthersville	1	$2,329	68	+14.4%	High
Union City	1	$1,988	68	+15.3%	High
Bartow	1	$1,956	68	+14.2%	High
Riceboro	1	$2,037	67	+8.7%	High
Peachtree Corners	1	$2,589	67	+16.5%	High
Greenville	1	$2,222	67	+11.4%	High
Marshallville	1	$2,052	67	+8.8%	High
North Druid Hills	1	$2,439	66	+17.2%	High
Sandy Springs	3	$3,828	66	+16.4%	High
Lookout Mountain	1	$2,967	66	+12.7%	High
Brookhaven	1	$3,077	65	+16.5%	High
Keysville	1	$1,894	65	+9.8%	High
Whitesburg	1	$2,032	65	+13.6%	High
Snellville	2	$2,269	65	+17.3%	High
Luthersville	1	$1,784	65	+9.6%	High
Grantville	1	$1,896	65	+13.2%	High
Lyerly	1	$1,847	65	+15.6%	High
Johns Creek	2	$2,973	65	+16.5%	High
Conyers	3	$2,336	65	+16.7%	High
Montezuma	1	$1,878	65	+14.7%	High
Atlanta	18	$2,875	64	+15.0%	High
Garden City	1	$2,205	64	+13.2%	High
Suwanee	1	$2,589	64	+18.4%	High
Jonesboro	1	$2,208	64	+14.6%	High
Vinings	1	$3,272	64	+13.4%	High
Milton	1	$3,046	64	+18.7%	High
Tybee Island	1	$4,981	64	+14.5%	High
Tucker	3	$2,182	64	+15.3%	High
Savannah	6	$2,666	64	+12.0%	High
Cedar Springs	1	$2,140	63	+16.9%	High
East Point	1	$1,916	63	+12.0%	High
Dacula	2	$2,183	63	+17.2%	High
Lumber City	1	$1,780	63	+12.6%	High
Rochelle	1	$2,036	63	+14.4%	High
Leslie	2	$1,891	62	+15.0%	High
Buford	2	$2,086	62	+17.0%	High
Arlington	1	$1,926	62	+10.2%	High
Pinehurst	1	$2,241	62	+18.5%	High
Duluth	1	$2,018	62	+16.0%	High
Irondale	1	$2,062	62	+14.8%	High
Dunwoody	2	$2,467	62	+16.8%	High
Fayetteville	2	$2,500	62	+16.3%	High
Ideal	1	$1,727	62	+12.4%	High
Clermont	1	$1,907	62	+14.2%	High
Newnan	2	$2,126	61	+15.9%	High
Porterdale	1	$1,979	61	+13.4%	High
Forest Park	3	$2,014	61	+15.0%	High
Manchester	2	$1,861	61	+10.9%	High
Alpharetta	2	$2,553	61	+17.6%	High
Grayson	1	$2,279	61	+16.8%	High
Pooler	1	$2,187	61	+12.2%	High
Senoia	1	$2,006	61	+15.5%	High
Wilmington Island	1	$3,380	61	+13.3%	High
Abbeville	1	$1,788	61	+13.6%	High
Jenkinsburg	1	$1,887	61	+13.3%	High
Midway	2	$2,179	61	+9.9%	High
Register	1	$2,058	61	+9.9%	High
Waverly Hall	1	$1,984	61	+12.2%	High
Stockbridge	1	$2,130	61	+15.9%	High
McDonough	2	$2,176	61	+15.7%	High
Wildwood	1	$1,842	60	+11.5%	Elevated
Clarkston	1	$1,754	60	+15.3%	Elevated
West Brow	1	$1,979	60	+11.8%	Elevated
Avondale Estates	1	$2,204	60	+16.2%	Elevated
Douglasville	2	$2,058	60	+15.3%	Elevated
Norcross	2	$1,747	60	+15.3%	Elevated
Baconton	1	$1,825	60	+15.4%	Elevated
Roswell	2	$2,725	60	+17.6%	Elevated
Maxeys	1	$2,008	60	+11.7%	Elevated
Camilla	1	$2,082	60	+18.2%	Elevated
Mansfield	1	$2,047	60	+12.0%	Elevated
Hampton	1	$2,012	60	+14.9%	Elevated
Covington	1	$2,066	60	+14.8%	Elevated
Candler-McAfee	1	$1,836	60	+13.4%	Elevated
Yatesville	1	$1,705	60	+13.4%	Elevated
Riverdale	1	$1,908	60	+13.2%	Elevated
Oxford	1	$2,169	60	+14.5%	Elevated
Hinesville	1	$2,015	60	+8.8%	Elevated
Cedartown	1	$1,842	59	+13.3%	Elevated
Morrow	1	$1,780	59	+15.3%	Elevated
Braselton	1	$2,411	59	+16.7%	Elevated
Warthen	1	$1,882	59	+10.5%	Elevated
Skidaway Island	1	$5,090	59	+10.9%	Elevated
Greensboro	1	$3,005	59	+15.5%	Elevated
St. Simons	2	$17,647	59	+18.8%	Elevated
Pine Mountain	1	$2,160	59	+10.7%	Elevated
Lilburn	1	$2,116	59	+16.1%	Elevated
Chamblee	2	$2,306	59	+16.2%	Elevated
Port Wentworth	1	$1,890	59	+10.1%	Elevated
Lawrenceville	3	$1,919	59	+16.2%	Elevated
Locust Grove	1	$1,970	59	+14.3%	Elevated
Smyrna	2	$2,107	58	+16.8%	Elevated
Waleska	1	$1,961	58	+12.4%	Elevated
Sautee-Nacoochee	1	$2,095	58	+13.3%	Elevated
Moreland	1	$2,047	58	+15.1%	Elevated
Sharpsburg	1	$2,086	58	+14.7%	Elevated
Acworth	1	$2,224	58	+16.2%	Elevated
Hamilton	1	$2,365	58	+13.5%	Elevated
Ambrose	1	$1,649	58	+12.4%	Elevated
Shiloh	2	$1,885	58	+12.0%	Elevated
LaGrange	2	$2,003	58	+13.3%	Elevated
Lithia Springs	1	$1,976	58	+15.7%	Elevated
Juliette	1	$2,023	58	+11.6%	Elevated
Springfield	2	$1,864	58	+10.8%	Elevated
Valdosta	2	$1,735	58	+12.4%	Elevated
Bemiss	1	$1,727	58	+10.4%	Elevated
Pineview	1	$1,728	58	+10.0%	Elevated
Rockmart	1	$1,827	58	+13.3%	Elevated
Talbotton	1	$1,800	58	+10.8%	Elevated
Woodland	1	$1,854	58	+10.1%	Elevated
Trion	1	$1,711	58	+15.2%	Elevated
Hogansville	1	$1,837	58	+9.9%	Elevated
Cumming	3	$2,240	58	+17.4%	Elevated
Rincon	1	$2,026	57	+12.5%	Elevated
Aragon	1	$1,827	57	+13.7%	Elevated
Plainville	2	$1,972	57	+14.8%	Elevated
Canton	1	$2,045	57	+14.4%	Elevated
Gainesville	5	$1,919	57	+14.7%	Elevated
Scottdale	1	$1,568	57	+12.6%	Elevated
Mineral Bluff	1	$2,274	57	+16.7%	Elevated
Forsyth	1	$1,910	57	+12.1%	Elevated
Tarrytown	1	$1,850	57	+12.9%	Elevated
Powder Springs	1	$2,116	57	+16.2%	Elevated
North Decatur	1	$2,072	57	+16.2%	Elevated
Ball Ground	1	$2,083	57	+15.4%	Elevated
Villa Rica	1	$1,981	57	+14.4%	Elevated
Columbus	9	$2,084	57	+13.2%	Elevated
Macon-Bibb County	10	$1,919	57	+11.4%	Elevated
Woodville	1	$1,594	57	+10.1%	Elevated
Ellerslie	1	$2,021	57	+12.8%	Elevated
Bloomingdale	4	$1,838	57	+11.0%	Elevated
Loganville	1	$2,043	57	+15.3%	Elevated
Woodbine	1	$2,153	57	+10.5%	Elevated
McCaysville	1	$1,863	57	+15.4%	Elevated
Decatur	1	$2,312	57	+15.9%	Elevated
White Plains	1	$2,510	57	+12.5%	Elevated
Helen	1	$1,960	57	+13.7%	Elevated
Kennesaw	2	$2,202	57	+16.9%	Elevated
Tyrone	1	$2,497	57	+14.8%	Elevated
Lula	1	$1,664	56	+12.0%	Elevated
Oakwood	1	$1,556	56	+11.7%	Elevated
Echols County consolidated government	2	$1,777	56	+12.0%	Elevated
Cohutta	2	$1,660	56	+13.5%	Elevated
Louisville	1	$1,857	56	+14.1%	Elevated
Pine Lake	1	$1,738	56	+16.4%	Elevated
St. Marys	1	$2,135	56	+9.0%	Elevated
Norwood	1	$1,634	56	+9.8%	Elevated
Unadilla	1	$1,865	56	+13.9%	Elevated
Social Circle	1	$2,035	56	+12.6%	Elevated
Marietta	7	$2,300	56	+16.1%	Elevated
Americus	2	$1,687	56	+11.2%	Elevated
Coolidge	1	$1,860	56	+14.3%	Elevated
Twin City	1	$1,685	56	+10.2%	Elevated
Griffin	2	$1,813	56	+14.4%	Elevated
Ludowici	1	$1,656	56	+9.9%	Elevated
Allentown	1	$1,638	56	+9.3%	Elevated
Augusta-Richmond County consolidated government (balance)	6	$1,733	56	+12.3%	Elevated
Andersonville	1	$1,688	56	+8.5%	Elevated
Monroe	2	$1,947	56	+13.9%	Elevated
Mableton	2	$1,864	56	+14.1%	Elevated
Blakely	1	$1,913	56	+12.6%	Elevated
Jekyll Island	1	$3,885	56	+11.7%	Elevated
Gillsville	1	$1,666	56	+11.6%	Elevated
Brunswick	1	$1,919	56	+12.0%	Elevated
Cuthbert	1	$1,755	56	+9.9%	Elevated
Musella	1	$1,875	55	+7.9%	Elevated
Putney	1	$1,715	55	+13.2%	Elevated
Shellman	1	$1,977	55	+11.4%	Elevated
Statesboro	2	$1,802	55	+10.1%	Elevated
Centerville	1	$1,775	55	+14.3%	Elevated
Garfield	1	$1,995	55	+11.3%	Elevated
Ranger	1	$1,900	55	+12.6%	Elevated
Comer	1	$1,818	55	+13.5%	Elevated
Naylor	1	$1,699	55	+8.3%	Elevated
Hahira	1	$1,727	55	+11.4%	Elevated
Holly Springs	1	$2,182	55	+15.3%	Elevated
Doraville	1	$1,831	55	+15.5%	Elevated
Menlo	1	$1,921	55	+12.1%	Elevated
Austell	1	$1,749	55	+15.1%	Elevated
West Point	1	$2,047	55	+12.4%	Elevated
Wrens	1	$1,683	55	+11.5%	Elevated
Albany	3	$1,955	55	+15.2%	Elevated
Darien	2	$2,137	55	+9.8%	Elevated
Waynesboro	1	$1,982	55	+12.0%	Elevated
Euharlee	1	$2,005	55	+12.6%	Elevated
Fairplay	1	$2,082	54	+14.6%	Elevated
Richmond Hill	1	$2,344	54	+8.9%	Elevated
Morganton	1	$2,167	54	+12.5%	Elevated
Maysville	1	$1,759	54	+11.5%	Elevated
Statham	1	$1,801	54	+11.7%	Elevated
Norman Park	1	$1,734	54	+12.5%	Elevated
Flowery Branch	1	$1,940	54	+14.4%	Elevated
Lindale	2	$1,861	54	+14.8%	Elevated
Oglethorpe	1	$1,513	54	+9.7%	Elevated
Meigs	1	$1,737	54	+10.1%	Elevated
Montrose	1	$1,718	54	+8.1%	Elevated
Rome	2	$1,928	54	+13.1%	Elevated
Cartersville	3	$1,993	54	+14.2%	Elevated
Appling	1	$1,925	54	+13.7%	Elevated
Kingsland	2	$2,005	54	+9.8%	Elevated
Tiger	1	$2,587	54	+13.4%	Elevated
Wadley	1	$1,830	54	+14.0%	Elevated
Evans	1	$2,066	54	+13.4%	Elevated
Clayton	1	$2,255	54	+11.5%	Elevated
Bremen	1	$1,734	54	+12.3%	Elevated
Emerson	1	$1,831	54	+16.8%	Elevated
Cave Spring	1	$1,995	54	+12.8%	Elevated
Milledgeville	1	$1,710	53	+10.6%	Elevated
Molena	1	$1,875	53	+12.3%	Elevated
The Rock	1	$1,659	53	+8.0%	Elevated
Zebulon	1	$1,861	53	+11.1%	Elevated
Sumner	1	$2,039	53	+16.9%	Elevated
Bainbridge	2	$1,791	53	+12.3%	Elevated
Woodstock	3	$2,044	53	+15.7%	Elevated
Lakeland	1	$1,706	53	+10.2%	Elevated
Vienna	1	$1,782	53	+10.6%	Elevated
Jesup	2	$1,863	53	+12.0%	Elevated
Tallulah Falls	2	$2,586	53	+12.1%	Elevated
Monticello	1	$1,900	53	+11.8%	Elevated
Madison	1	$2,305	53	+12.6%	Elevated
Webster County unified government	2	$1,681	53	+10.9%	Elevated
Ty Ty	1	$1,793	53	+13.4%	Elevated
Centralhatchee	1	$1,795	53	+13.6%	Elevated
Dawsonville	2	$1,954	53	+13.5%	Elevated
Temple	1	$1,768	53	+13.1%	Elevated
Whigham	1	$1,729	53	+10.0%	Elevated
Cataula	1	$2,071	52	+11.1%	Elevated
Hilltop	1	$2,124	52	+12.5%	Elevated
Blue Ridge	1	$2,252	52	+16.3%	Elevated
Auburn	1	$1,815	52	+12.3%	Elevated
Matthews	1	$1,666	52	+12.1%	Elevated
Ashburn	1	$1,786	52	+11.8%	Elevated
Moultrie	3	$1,761	52	+13.0%	Elevated
Dewy Rose	1	$1,701	52	+12.7%	Elevated
Buena Vista	1	$1,746	52	+8.2%	Elevated
Warrenton	1	$1,776	52	+12.4%	Elevated
Colbert	1	$1,669	52	+10.6%	Elevated
Martinez	1	$1,789	52	+12.5%	Elevated
Chattanooga Valley	1	$1,842	52	+14.5%	Elevated
Peachtree City	1	$2,249	52	+14.0%	Elevated
Summerville	1	$1,716	52	+14.4%	Elevated
Milner	1	$1,716	52	+11.3%	Elevated
Epworth	1	$2,111	52	+16.5%	Elevated
Adairsville	1	$1,764	52	+11.4%	Elevated
Crawford	1	$1,726	52	+11.5%	Elevated
Millen	1	$1,687	52	+10.1%	Elevated
Dallas	2	$1,817	52	+15.1%	Elevated
Fort Valley	1	$1,806	52	+11.7%	Elevated
Hoschton	1	$1,976	52	+13.8%	Elevated
Trenton	1	$1,716	52	+13.4%	Elevated
Carlton	1	$1,840	52	+11.0%	Elevated
Country Club Estates	1	$1,858	52	+11.2%	Elevated
Ephesus	1	$1,749	52	+12.1%	Elevated
Homerville	1	$1,716	52	+11.8%	Elevated
Calhoun	1	$1,790	52	+10.9%	Elevated
Hiram	1	$1,816	52	+14.8%	Elevated
Adel	1	$1,763	52	+11.2%	Elevated
Dudley	1	$1,575	52	+10.4%	Elevated
Newborn	1	$2,068	52	+12.5%	Elevated
Dublin	1	$1,686	52	+11.4%	Elevated
Carrollton	2	$1,888	52	+13.8%	Elevated
Jackson	1	$1,858	52	+14.9%	Elevated
Guyton	1	$1,825	52	+11.8%	Elevated
Cherry Log	1	$2,145	52	+17.3%	Elevated
Cobbtown	1	$1,890	51	+11.3%	Elevated
Harrison	1	$1,490	51	+9.3%	Elevated
Lumpkin	1	$1,796	51	+9.7%	Elevated
Cairo	2	$1,750	51	+9.8%	Elevated
Raoul	1	$1,551	51	+9.5%	Elevated
Barnesville	1	$1,682	51	+11.2%	Elevated
Jefferson	1	$1,913	51	+15.2%	Elevated
Nelson	1	$1,701	51	+13.0%	Elevated
Cadwell	1	$1,431	51	+9.6%	Elevated
Athens-Clarke County unified government (balance)	6	$1,741	51	+13.5%	Elevated
Pembroke	1	$1,906	51	+8.2%	Elevated
Sterling	1	$2,058	51	+10.6%	Elevated
Toomsboro	1	$1,650	51	+8.5%	Elevated
Fort Gaines	1	$1,697	51	+10.6%	Elevated
Bowman	1	$1,656	51	+12.5%	Elevated
Tallapoosa	1	$1,730	51	+14.0%	Elevated
Dahlonega	2	$1,848	51	+12.2%	Elevated
Grovetown	1	$1,677	51	+14.0%	Elevated
Lincolnton	1	$1,604	50	+9.4%	Elevated
McRae-Helena	2	$1,646	50	+12.2%	Elevated
Irwinton	1	$1,780	50	+8.4%	Elevated
Fairview	1	$1,522	50	+14.1%	Elevated
Baldwin	1	$1,707	50	+10.5%	Elevated
Buckhead	1	$2,252	50	+14.1%	Elevated
Collins	1	$1,556	50	+8.0%	Elevated
Jasper	2	$2,018	50	+11.8%	Elevated
Hawkinsville	1	$1,779	50	+9.5%	Elevated
LaFayette	1	$1,681	50	+11.9%	Elevated
Byromville	1	$1,780	50	+9.5%	Elevated
Thomaston	1	$1,714	50	+13.8%	Elevated
Omega	1	$1,680	50	+14.4%	Elevated
Warner Robins	3	$1,659	50	+11.7%	Elevated
Avera	1	$1,725	50	+13.1%	Elevated
Denton	1	$1,666	50	+14.0%	Elevated
Reidsville	1	$1,572	50	+9.3%	Elevated
Cordele	1	$1,827	50	+13.3%	Elevated
Higgston	1	$2,005	50	+13.1%	Elevated
Fairmount	2	$1,870	50	+10.6%	Elevated
Salem	1	$1,754	50	+9.0%	Elevated
East Ellijay	1	$2,067	50	+14.0%	Elevated
Gumlog	1	$1,824	50	+14.1%	Elevated
Odum	1	$1,815	50	+12.1%	Elevated
Sky Valley	1	$2,174	50	+11.2%	Elevated
Reed Creek	1	$1,784	50	+13.4%	Elevated
Hazlehurst	1	$1,579	50	+8.9%	Elevated
Ocilla	1	$1,636	50	+9.7%	Elevated
Hortense	1	$1,543	50	+9.6%	Elevated
Harlem	1	$1,570	50	+11.2%	Elevated
Carnesville	1	$1,729	50	+11.6%	Elevated
Nashville	1	$1,585	50	+9.6%	Elevated
Sandersville	1	$1,728	49	+10.0%	Elevated
Leesburg	1	$1,791	49	+12.6%	Elevated
Glennville	1	$1,617	49	+8.7%	Elevated
Hull	1	$1,673	49	+12.5%	Elevated
Arnoldsville	1	$1,812	49	+12.8%	Elevated
Elberton	1	$1,702	49	+12.9%	Elevated
Dawson	1	$1,909	49	+13.2%	Elevated
Kite	1	$1,651	49	+10.0%	Elevated
Soperton	2	$1,565	49	+12.7%	Elevated
Homer	1	$1,658	49	+10.6%	Elevated
Butler	1	$1,595	49	+9.2%	Elevated
Sparta	1	$1,629	49	+8.5%	Elevated
Fitzgerald	1	$1,706	49	+11.7%	Elevated
Gibson	1	$1,469	49	+8.5%	Elevated
Roberta	1	$1,462	49	+8.0%	Elevated
Chester	1	$1,506	49	+8.9%	Elevated
Danielsville	1	$1,676	49	+12.1%	Elevated
Box Springs	2	$1,687	49	+10.4%	Elevated
Lexington	1	$1,734	49	+9.4%	Elevated
Meansville	1	$1,957	48	+12.2%	Elevated
Cusseta-Chattahoochee County unified government	1	$1,595	48	+11.9%	Elevated
Commerce	2	$1,678	48	+12.0%	Elevated
Sycamore	2	$1,886	48	+11.7%	Elevated
Waycross	2	$1,703	48	+12.5%	Elevated
Chickamauga	1	$1,742	48	+13.6%	Elevated
Buchanan	1	$1,753	48	+14.5%	Elevated
Pearson	1	$1,485	48	+10.4%	Elevated
Taylorsville	1	$2,041	48	+13.5%	Elevated
Pavo	1	$1,789	48	+12.0%	Elevated
Leary	1	$1,663	48	+7.9%	Elevated
Milan	1	$1,594	48	+12.9%	Elevated
Stockton	1	$1,679	48	+10.6%	Elevated
Dalton	3	$1,754	48	+13.5%	Elevated
Doerun	1	$1,703	48	+12.3%	Elevated
Swainsboro	1	$1,734	48	+11.4%	Elevated
Shady Dale	1	$2,075	47	+13.4%	Elevated
Thomasville	2	$1,917	47	+10.4%	Elevated
Eatonton	1	$1,888	47	+9.9%	Elevated
Ellaville	1	$1,643	47	+11.5%	Elevated
Cleveland	1	$1,779	47	+12.1%	Elevated
Crawfordville	1	$1,877	47	+13.6%	Elevated
Girard	1	$2,051	47	+14.1%	Elevated
Brooks	1	$2,441	47	+12.8%	Elevated
Brooklet	1	$1,801	47	+9.3%	Elevated
Lyons	1	$1,639	47	+10.6%	Elevated
Winder	1	$1,584	47	+12.6%	Elevated
Mount Airy	1	$1,632	47	+11.4%	Elevated
Climax	1	$1,788	47	+8.6%	Elevated
Canon	1	$1,557	47	+11.0%	Elevated
Demorest	1	$1,683	47	+11.3%	Elevated
Ellijay	1	$1,873	47	+13.8%	Elevated
Watkinsville	1	$2,054	47	+14.8%	Elevated
Alapaha	1	$1,708	47	+9.0%	Elevated
Donalsonville	1	$1,792	47	+11.8%	Elevated
Williamson	1	$2,021	47	+12.6%	Elevated
Thomson	1	$1,628	47	+10.8%	Elevated
Vidalia	1	$1,873	47	+12.9%	Elevated
Toccoa	2	$1,604	46	+12.8%	Elevated
Sylvania	1	$1,761	46	+9.2%	Elevated
Bethlehem	1	$1,617	46	+13.8%	Elevated
Folkston	2	$1,572	46	+9.4%	Elevated
Wrightsville	1	$1,563	46	+10.9%	Elevated
Screven	1	$1,911	46	+13.6%	Elevated
Quitman	1	$1,869	46	+10.6%	Elevated
Perry	3	$1,769	46	+10.7%	Elevated
Nicholson	1	$1,778	46	+13.4%	Elevated
Talmo	1	$1,745	46	+13.4%	Elevated
Martin	1	$1,702	46	+11.1%	Elevated
Mount Zion	1	$1,619	46	+10.7%	Elevated
Smithville	1	$1,723	46	+9.6%	Elevated
Resaca	2	$1,636	46	+10.9%	Elevated
Poulan	1	$1,767	46	+15.9%	Elevated
Rutledge	1	$2,185	46	+13.1%	Elevated
Tifton	2	$1,808	46	+12.9%	Elevated
Davisboro	1	$1,567	46	+12.2%	Elevated
Young Harris	1	$1,827	46	+12.8%	Elevated
Royston	1	$1,702	46	+12.3%	Elevated
Bowdon	1	$1,737	46	+13.6%	Elevated
Byron	1	$1,618	46	+11.6%	Elevated
Waynesville	1	$1,451	45	+8.0%	Elevated
Gray	3	$1,771	45	+10.3%	Elevated
Glenwood	1	$1,579	45	+8.0%	Elevated
Blairsville	1	$1,799	45	+13.4%	Elevated
Ringgold	1	$1,837	45	+13.3%	Elevated
Boston	1	$2,283	45	+8.0%	Elevated
Knoxville	1	$1,559	45	+7.9%	Elevated
Uvalda	1	$1,550	45	+8.7%	Elevated
Midville	1	$1,823	45	+11.7%	Elevated
Rock Spring	1	$1,747	45	+12.9%	Elevated
Mount Vernon	1	$1,695	45	+12.1%	Elevated
Attapulgus	1	$1,595	45	+7.9%	Elevated
Offerman	1	$1,698	45	+12.3%	Elevated
Washington	1	$1,713	44	+11.9%	Elevated
Sylvester	1	$1,823	44	+14.1%	Elevated
Lenox	1	$1,616	44	+9.3%	Elevated
Mountain City	2	$1,835	44	+12.9%	Elevated
Metter	1	$1,726	44	+10.3%	Elevated
Waverly	1	$2,158	44	+12.9%	Elevated
Hiawassee	1	$1,939	44	+12.9%	Elevated
North High Shoals	1	$2,286	44	+15.5%	Elevated
Dixie	1	$1,749	44	+8.3%	Elevated
Alamo	1	$1,572	44	+11.7%	Elevated
Enigma	1	$1,461	43	+7.9%	Elevated
Dexter	1	$1,444	43	+9.7%	Elevated
Axson	1	$1,447	43	+8.0%	Elevated
Pelham	1	$1,847	43	+11.5%	Elevated
Bowersville	1	$1,623	43	+14.5%	Elevated
Colquitt	1	$1,863	43	+13.2%	Elevated
Edison	1	$1,621	43	+8.0%	Elevated
Douglas	2	$1,534	43	+8.5%	Elevated
Ray City	1	$1,317	43	+7.9%	Elevated
Manor	1	$1,731	43	+11.9%	Elevated
Chatsworth	1	$1,437	43	+9.9%	Elevated
Pendergrass	1	$1,536	43	+7.9%	Elevated
Hagan	1	$1,569	43	+9.8%	Elevated
Cochran	1	$1,626	42	+10.1%	Elevated
Cornelia	1	$1,735	42	+11.7%	Elevated
Nahunta	1	$1,626	42	+11.7%	Elevated
Gordon	1	$1,540	42	+8.3%	Elevated
Stapleton	1	$1,564	42	+8.1%	Elevated
Tunnel Hill	1	$1,573	41	+12.7%	Elevated
Nicholls	1	$1,495	41	+9.9%	Elevated
Adrian	1	$1,554	41	+9.3%	Elevated
Warwick	1	$1,629	41	+13.0%	Elevated
Newington	1	$1,872	41	+10.3%	Elevated
Rentz	1	$1,396	40	+9.7%	Moderate
Blackshear	1	$1,640	40	+9.6%	Moderate
Reynolds	1	$1,702	40	+11.1%	Moderate
Mitchell	1	$1,548	40	+8.0%	Moderate
Portal	1	$1,840	40	+9.5%	Moderate
Flovilla	1	$1,763	40	+13.5%	Moderate
Dearing	1	$1,590	39	+12.8%	Moderate
Tennille	1	$1,499	39	+7.9%	Moderate
Eastman	1	$1,538	38	+9.4%	Moderate
Brinson	1	$1,414	38	+7.9%	Moderate
Alma	1	$1,498	38	+9.0%	Moderate
Baxley	1	$1,649	37	+9.5%	Moderate
Surrency	1	$1,596	37	+8.0%	Moderate
Jeffersonville	1	$1,629	37	+8.0%	Moderate
Hoboken	1	$1,646	37	+12.0%	Moderate
McIntyre	1	$1,547	37	+8.1%	Moderate
Broxton	1	$1,640	37	+8.8%	Moderate
Ochlocknee	1	$1,800	37	+9.4%	Moderate
Fort Oglethorpe	1	$1,519	36	+14.0%	Moderate
Rayle	1	$1,622	36	+12.2%	Moderate
Sardis	1	$1,457	36	+7.9%	Moderate
East Dublin	1	$1,365	35	+8.9%	Moderate
Tignall	1	$1,556	33	+9.5%	Moderate
Georgetown-Quitman County unified government	1	$1,444	32	+8.0%	Moderate
Willacoochee	1	$1,398	32	+7.9%	Moderate
Sparks	1	$1,245	22	+8.0%	Moderate

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Highest Risk ZIPs

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39854Georgetown-Quitman County unified government

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.