Georgia Homeowners Insurance

Georgia homeowners pay $1,198 a year for homeowners insurance on average. That's close to the roughly $1,172 national average. That puts Georgia in the middle of the pack nationally — 22nd highest of the 50 states. Moderate risk profile; coastal counties face hurricane exposure while northern Georgia sees occasional tornadoes. The main factors driving that number are Tornadoes, Hurricanes, Severe thunderstorms and Hail. Flood risk is moderate; it's worth checking FEMA flood maps for your specific address before deciding whether a separate flood policy makes sense. Homeowners insurance isn't legally mandated in Georgia, but any mortgage lender will require it as a condition of the loan. Georgia has no dedicated state insurer-of-last-resort program — coverage runs through the standard private market.