Homeowners insurance in Georgia: premium by ZIP code
Georgia's median ZIP code paid $1,635 per policy in 2022; the four core Atlanta counties rose +12% to +14% after inflation.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Georgia (median ZIP code)
$1,635
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,178.
| Change from 2018 to 2022, after inflation | +3.8% |
| Premium per policy in 2018 | $1,575 |
| Premium per policy in 2022 | $1,635 |
| 2022 premium carried to September 2026 (BLS index) | $2,178 |
| Policies not renewed by the insurer, 2022 | 1.30% |
| Claims paid per 100 policies, yearly average | 5.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,232 |
| Cancelled for nonpayment, 2022 | 2.12% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 630 ZIP codes in 157 counties of Georgia in the Treasury file · not a quote
Georgia's median homeowners premium per policy was $1,635 in 2022 in the Treasury file, close to the national $1,551 and ranked 22 of 51. Statewide it rose a modest +4.9% after inflation from 2018, but metro Atlanta moved much faster: Fulton County +12.7% to $2,169, DeKalb +11.9%, Cobb +13.0% and Gwinnett +14.0%. The state has the second largest number of counties after Texas, 157, and most rural counties pay much less. The other change is renewals: the share of policies insurers declined to renew rose from 0.82% in 2021 to 1.30% in 2022, ranked 7 of 51. On the coast, ZIP 31561 in Glynn County, the Golden Isles, paid $25,848. The Georgia Underwriting Association insures homes private insurers decline. The data stop in 2022.
Metro Atlanta
Fulton County's 33 ZIP codes had a median of $2,169 in 2022, DeKalb's $1,897, Cobb's $1,836 and Gwinnett's $1,816. All four rose between +12% and +14% after inflation, more than twice the state figure. Rebuilding costs in a fast-growing metro area and frequent hail and wind storms are the usual explanations. ZIP 30327, in Buckhead, paid $5,831, the highest outside the coast.
Rural Georgia pays less
Much of the state's 630 ZIP codes in the file are rural, and the cheapest tenth paid under $1,429. ZIP 31647 in Cook County and 31645 in Berrien County, in South Georgia, paid $1,153 and $1,220. Claims across the state ran at 5.9 per 100 policies a year, ranked 12 of 51, highest in 2018 at 6.5, the year Hurricane Michael crossed southwest Georgia. The average claim, $14,232, was below the national figure.
Georgia: odds of a nonrenewal ahead
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Chance of at least one nonrenewal in 6 renewals, Georgia
7.6%
| Median ZIP rate in 2018 | 0.88% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 5.0% |
| Georgia rank, 51 = lowest | 7 of 51 |
Nonrenewals jumped in 2022
The median nonrenewal rate held between 0.63% and 0.88% from 2018 to 2021, then rose to 1.30%. In 13% of Georgia ZIP codes the 2022 rate was above the line of the top tenth nationally. A rise of that kind usually follows insurers tightening their rules on roof age and claims history; the nonrenewal page explains the notice you are owed and what to do.
The coast and the plan of last resort
Glynn County's barrier islands carry the state's highest premium per policy: 31561 paid $25,848 in 2022. The Georgia Underwriting Association writes dwelling fire and HO-8 policies statewide, and wind and hail only policies in the six coastal counties. Cancellations for nonpayment ran at 2.12%, above the national 1.47%. The Georgia Office of Commissioner of Insurance and Safety Fire handles complaints about claims and notices. Coastal owners should also price flood coverage, which no homeowners policy includes, and check whether their wind deductible is a percentage.
Georgia, year by year
| Year | Georgia median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,575 | $1,445 | 0.88% | 6.5 | 46% |
| 2019 | $1,613 | $1,469 | 0.65% | 5.6 | 44% |
| 2020 | $1,617 | $1,491 | 0.63% | 6.1 | 47% |
| 2021 | $1,610 | $1,521 | 0.82% | 4.4 | 37% |
| 2022 | $1,635 | $1,551 | 1.30% | 5 | 38% |
The Georgia counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Fulton County | 33 | $1,997 | $2,169 | +12.7% | 1.64% | $17,218 |
| DeKalb County | 27 | $1,681 | $1,897 | +11.9% | 1.70% | $14,779 |
| Cobb County | 17 | $1,629 | $1,836 | +13.0% | 1.56% | $15,547 |
| Gwinnett County | 16 | $1,583 | $1,816 | +14.0% | 1.70% | $14,981 |
| Chatham County | 13 | $2,034 | $2,100 | +3.9% | 1.68% | $13,528 |
| Hall County | 10 | $1,496 | $1,614 | +8.6% | 1.56% | $14,170 |
| Harris County | 9 | $1,745 | $1,822 | +4.4% | 1.10% | $18,480 |
| Jackson County | 9 | $1,502 | $1,568 | +6.6% | 1.49% | $14,320 |
Highest and lowest premiums per policy, Georgia ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 31561 | Glynn County | $25,848 | +21.2% | 0.48% |
| 30327 | Fulton County | $5,831 | +15.9% | 1.02% |
| 31411 | Chatham County | $4,590 | +1.2% | 0.52% |
| 30305 | Fulton County | $4,405 | +10.5% | 0.95% |
| 31328 | Chatham County | $4,350 | +9.2% | 0.75% |
| 31647 | Cook County | $1,153 | -14.9% | 0.32% |
| 31645 | Berrien County | $1,220 | -10.4% | 1.34% |
| 31027 | Laurens County | $1,253 | -3.1% | 0.73% |
| 31075 | Laurens County | $1,272 | -1.3% | 0.88% |
| 31650 | Atkinson County | $1,295 | -7.9% | 0.00% |