Home Insurance in Tybee Island, Georgia
The median home value in Tybee Island is $611,200, 102% higher than the Chatham County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tybee Island was built around 1984. About 28% of homes were built before 1960, about 5 points above Chatham County's 23%.
Housing in Tybee Island breaks down to 75% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Tybee Island carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tybee Island has an owner-occupancy rate of 89% and a vacancy rate of 55%; unoccupied homes typically need a different coverage form.
Most homes in Tybee Island - 96% - are primarily heated with electricity.
Chatham County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Chatham County had 23,014 active NFIP flood policies as of September 2026. See the full Chatham 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 | $611,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Chatham County | 23,014 |
| 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)