Home Insurance in Rome, Georgia
The median home value in Rome is $234,300, 8% higher than the Floyd County median.
The typical home in Rome was built around 1974. About 32% of homes were built before 1960, about 7 points above Floyd County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Rome breaks down to 67% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
49% of owner-occupied homes in Rome carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Rome are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Rome are primarily heated with electricity.
Floyd County had 268 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Floyd 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 | $234,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Floyd County | 268 |
| 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)