Coastal Property Risks in Georgia: Understanding the Challenges and Protecting Your Home

Georgia's low-lying barrier islands and marshlands are highly vulnerable to surge and flooding. Rising sea levels, heavier rainfall, and stronger storms have increased coastal losses. Communities such as Tybee Island, Brunswick, and St. Simons Island experience more frequent high-tide flooding and storm impacts than in the past.

Standard homeowners insurance does not cover flood losses, which must be purchased separately through the National Flood Insurance Program or private carriers. In some coastal ZIP codes, insurers may apply separate hurricane or wind deductibles. Underwriters evaluate a property's elevation, roof construction, and proximity to open water when determining eligibility and price.

Request the reason in writing and address any issues such as roof condition, vegetation management, or drainage. Making upgrades like installing shutters or reinforcing roofing can improve insurability. Keep photos and receipts for all work completed. An insurance professional familiar with coastal markets can identify new carrier options if a non-renewal occurs. Maintain continuous coverage to protect against interruptions and higher costs.

Local emergency management agencies in coastal Georgia issue evacuation orders when storms approach. Residents should review routes annually, maintain supplies, and ensure all household members know the plan. Communities that maintain infrastructure and promote resilience programs are better able to reduce shared risk and recover quickly after severe weather.

While living along Georgia's coast comes with exposure to wind and flood hazards, homeowners can manage these risks through careful maintenance, smart construction choices, and proper insurance. Preparation and prevention are the foundation of safe and resilient coastal living.