Home Insurance in Clayton County, Georgia
The median home value in Clayton County is $222,300, 27% lower than the Georgia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clayton County was built around 1989. About 8% of homes were built before 1960, about 4 points below Georgia's 12%.
Housing in Clayton County breaks down to 70% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Clayton County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Clayton County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Clayton County are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively High), hail (Relatively Moderate) and strong wind (Relatively High) as the leading hazards for Clayton County.
Clayton County had 334 active National Flood Insurance Program policies as of September 2026. 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 | $222,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 334 |
| 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)