"Georgia homeowners face mid-level homeowners insurance premiums in the nation compared with both nearby Southern states and the rest of the country. While not as steep as the bills in Florida or Louisiana, insurance costs in Georgia are higher than those in states farther inland. Newly released data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show how Georgia fits into the broader picture of affordability and climate risk."
"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Georgia homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs also fall in the $1,000-$1,499 range. Georgia has 2,798,409 insured homeowner households in total-1,755,812 with a mortgage and 1,042,597 without."
Georgia homeowners face insurance costs that are higher than inland states but lower than Florida and Louisiana. ACS data show mortgaged owners typically pay $1,500–$1,999 annually, while owners without a mortgage average $1,000–$1,499; statewide costs fall in the $1,000–$1,499 range. The state contains 2,798,409 insured homeowner households: 1,755,812 with a mortgage and 1,042,597 without. Among mortgaged owners, 151,399 pay less than $100 annually and 116,064 pay $4,000 or more. Among owners without a mortgage, 232,566 pay less than $100 and 49,069 pay $4,000 or more. Census and Realtor.com 2025 Climate Risk data contextualize affordability and climate exposure.
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