Home Insurance in Floyd County, Georgia
With a median home value of $217,900, Floyd County is 28% lower than the Georgia median.
The typical home in Floyd County was built around 1978. About 25% of homes were built before 1960, about 13 points above Georgia's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Floyd County, the housing stock is 75% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Floyd County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Floyd County are owner-occupied.
In Floyd County, 55% 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.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and earthquake (Relatively Low) as the leading hazards for Floyd County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Floyd County has 268 active NFIP flood policies on file.
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 | $217,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 268 |
| 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)