Home Insurance in Carroll County, Georgia
The median home value in Carroll County is $255,100, 16% lower than the Georgia median.
The typical home in Carroll County was built around 1991. About 12% of homes were built before 1960, in line with Georgia (12%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carroll County is 75% single-family homes, 8% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Carroll County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carroll County has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Carroll County - 58% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Carroll County's top hazards are tornado (Relatively High), wildfire (Relatively Low) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Carroll County has 147 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $255,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 147 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)