Home Insurance in Canton, Georgia
Homes in Canton carry a median value of $407,800 - 6% lower than the Cherokee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Canton was built around 2005. About 9% of homes were built before 1960, about 6 points above Cherokee County's 3%.
In Canton, the housing stock is 68% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Canton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Canton are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Canton, 55% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Canton? FEMA's National Risk Index points to tornado (Relatively High) in Cherokee County and Cherokee County had 273 active NFIP flood policies as of September 2026. See the full Cherokee 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 | $407,800 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Cherokee County | 273 |
| 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)