Home Insurance in Morrow, Georgia
The median home value in Morrow is $224,700, close to the Clayton County median.
The typical home in Morrow was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 1 point below Clayton County's 8%.
In Morrow, the housing stock is 77% single-family homes and 23% apartments in buildings with 5+ units.
53% of owner-occupied homes in Morrow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morrow has an owner-occupancy rate of 52% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Morrow, 60% of homes 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.
Clayton County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Clayton County had 334 active NFIP flood policies as of September 2026. See the full Clayton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $224,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Clayton County | 334 |
| 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)