Home Insurance in Forsyth, Georgia
The median home value in Forsyth is $274,400, close to the Monroe County median.
The typical home in Forsyth was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 21 points above Monroe County's 12%.
In Forsyth, the housing stock is 82% single-family homes and 14% apartments in buildings with 5+ units.
In Forsyth, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Forsyth has an owner-occupancy rate of 57% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Forsyth, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Forsyth? FEMA's National Risk Index points to hurricane (Relatively Low) in Monroe County and Monroe County had 62 active NFIP flood policies as of September 2026. See the full Monroe 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 | $274,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Monroe County | 62 |
| 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)