Georgia Hurricane Insurance

Georgia Hurricane Facts

Georgia’s Atlantic shore is vulnerable to hurricanes and tropical storms. Some coastal Georgia areas may expect a hurricane or tropical storm to strike as often as once every decade. It is therefore important that you review your current homeowners insurance policies to make sure you’re covered for the massive damage these storms can bring.

An insurance agent in the Trusted Choice® network agent can assist you with finding the coverage you need at a reasonable rate. Independent agents have the ability to provide policies from multiple insurers for one-stop comparison shopping. Contact a member agent in or near your ZIP code to start comparing Georgia hurricane insurance quotes today.

  • On average, 6 hurricanes form over the Atlantic Ocean each year
  • Hurricane season is from June 1 to October 30, peaking on September 10
  • In the 19th century, 14 hurricanes made landfall along Georgia’s coast
  • In the 20th century, 4 hurricanes made landfall along Georgia’s coast

The state of Georgia does not suffer major hurricanes frequently, but it’s still a good idea to be prepared. Hurricanes and tropical storms can also produce spawn tornadoes and floods. Your insurance agent can help you craft an insurance policy that will cover all the risks you face from hurricanes.

What Is Georgia Hurricane Insurance?

You may have hurricane coverage built into policies you already carry. Homeowners, vehicle and boat insurance policies may all provide coverage for damage to your property and belongings from high winds and rising waters. In some cases, hurricane insurance is not built into your policy and must be purchased with a special endorsement, or rider.

Major Hurricanes and Tropical Storms that have Struck Georgia

  • In 1979, Hurricane David made landfall on Georgia’s coastline and caused $320 million in damages
  • In 1999, more than 3 million residents of Georgia, South Carolina and North Carolina were forced to evacuate due to Hurricane Floyd
  • The deadliest hurricane to strike Georgia was the Sea Island Hurricane of 1893 which was responsible for approximately 2,500 deaths
  • The costliest disaster to strike Georgia was Tropical Storm Alberto in 1994

How Much Does Georgia Hurricane Insurance Cost?

Your premiums will depend primarily on where you live and the building material used in the structure of your home. Coastal areas are considered much more risky than are the cities and towns further inland. Hurricanes and tropical storms tend to be most intense when they make landfall and then slow down as they move inland.

A Word About Flood Insurance

Hurricanes and tropical storms often bring widespread flooding, even for those who live outside of designated flood zones. Homeowners insurance policies typically do not cover damages from flooding. For this, you will need to have a flood insurance policy.

Flood insurance is offered through the National Flood Insurance Program, or NFIP. If you live in a designated flood zone and have mortgaged your home, you may be required by your lender to carry flood insurance. Keep in mind that Georgia is prone to hurricanes and tropical storms, so flood insurance could be a good investment for you, no matter where your home is situated. Flood insurance is a vital supplement to hurricane insurance.

Learn More About Georgia Hurricane Insurance

You may already have enough coverage for hurricane damage, but if not, you may need to buy additional endorsements or riders. An agent in the Trusted Choice network can review your current policies to ensure that you have the coverage needed to protect your home.

These local professionals can give you advice, personalized service, and a variety of competitive rate quotes from top-rated companies. Find an agent near you to review Georgia hurricane insurance quotes and find a policy that works well for your needs and budget.

Make Insurance Work For You.