Home Insurance in Ringgold, Georgia
The median home value in Ringgold is $243,300, close to the Catoosa County median.
The typical home in Ringgold was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 3 points above Catoosa County's 11%.
In Ringgold, the housing stock is 64% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ringgold, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ringgold has an owner-occupancy rate of 48% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Ringgold, 80% of homes are primarily heated with electricity.
Catoosa County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Catoosa County had 267 active NFIP flood policies as of September 2026. See the full Catoosa County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $243,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Catoosa County | 267 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)