Home Insurance in Clermont, Georgia
The median home value in Clermont is $321,500, 8% lower than the Hall County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clermont was built around 1996. About 17% of homes were built before 1960, about 9 points above Hall County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clermont is 85% single-family homes and 15% mobile or manufactured homes.
About 75% of owner-occupied homes in Clermont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Clermont are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Clermont 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 rates Hall County's overall risk as Relatively Moderate, led by tornado (Relatively High). Hall County had 106 active NFIP flood policies as of September 2026. See the full Hall 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 | $321,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hall County | 106 |
| 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)