Home Insurance in Flowery Branch, Georgia
The median home value in Flowery Branch is $442,500, 26% higher than the Hall County median.
The typical home in Flowery Branch was built around 2012. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 5 points below Hall County's 8%.
The housing stock in Flowery Branch is 75% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in Flowery Branch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Flowery Branch are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Flowery Branch, 61% of homes are primarily heated with natural gas.
Hall County had 106 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Hall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $442,500 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)