Home Insurance in Holly Springs, Georgia
With a median home value of $448,400, Holly Springs is close to 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 Holly Springs was built around 2009. About 1% of homes were built before 1960, about 1 point below Cherokee County's 3%.
The housing stock in Holly Springs is 86% single-family homes and 11% apartments in buildings with 5+ units.
80% of owner-occupied homes in Holly Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Holly Springs are owner-occupied.
59% of homes in Holly Springs are primarily heated with natural gas.
What's the biggest home insurance risk near Holly Springs? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $448,400 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)