Georgia Home-Insurance Distress by County

Home-insurance distress across Georgia is among the most severe in the country: 159 counties average 64/100, 7th of 52 states.

76 of Georgia's 159 counties score 70 or higher (severe).

Georgia's reading rests on a FEMA hazard average of 86/100 and NFIP flood-claim stress of 39/100.

Over three years Georgia counties filed 1,510 NFIP flood claims, $53,543,442 paid.

Highest in Georgia: Fulton County 95/100 (#35 US), Bulloch County 95/100 (#36 US), Lowndes County 94/100 (#48 US), Bryan County 94/100 (#50 US), Chatham County 93/100 (#73 US).

Georgia counties by insurance band: 86 medium (Georgia), 45 high, 28 low; Georgia NFIP claims, three years: 1,510; Georgia payouts $53.5 million.

Georgia counties with the most NFIP claims: Fulton 309 ($19.6 million); Chatham 211 ($3.3 million); Dekalb 109 ($2.8 million) in Georgia; Bryan 87 ($2.9 million); Cobb 82 ($3.5 million).

Georgia county average rose: 63.4 in March 2026; Georgia reads 67.2 in October 2026; Georgia by month: March 63.4, April 63.4, May 62.5 (Georgia), June 62.5, July 60.4, August 61.2 (Georgia), September 60.8, October 67.2.

Highest Georgia ZIPs, insurance distress: 31525 60 (climate 82), 31527 60 (climate 82) in Georgia, 31522 60 (climate 82), 31524 60 (climate 82) in Georgia, 31561 60 (climate 82), 31523 60 (climate 82) in Georgia.

Reading the Georgia bands: 45 of 159 Georgia counties sit in a high or worse insurance band; Georgia filed 1,510 NFIP claims in three years, $53.5 million paid to Georgia policyholders; a Georgia county's band moves when FEMA hazard revisions, new Georgia NFIP settlements or carrier filings change its monthly score.