The average flood insurance cost in Georgia varies based on your location and individual property risks, like the ground elevation of your home and your proximity to flooding sources.
You can check a local flood map to see if your home is in one of Georgia’s high-risk flood zones. If you are in a moderate-risk or high-risk flood zone, it is wise to invest in flood insurance, especially since homeowners and renters insurance policies don’t cover natural flood damage. Estimates from the Federal Emergency Management Agency (FEMA) show that flood damage can cost up to $25,000 per inch of water.