Home Insurance in Monroe, Georgia
The median home value in Monroe is $259,300, 24% lower than the Walton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Monroe was built around 1979. About 27% of homes were built before 1960, about 19 points above Walton County's 8%.
In Monroe, the housing stock is 63% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Monroe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 42% of occupied homes in Monroe are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Monroe are primarily heated with electricity.
FEMA rates Walton County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Walton County had 78 active NFIP flood policies as of September 2026. See the full Walton 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 | $259,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Walton County | 78 |
| 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)