Home Insurance in Lyerly, Georgia
The median home value in Lyerly is $114,600, close to the Chattooga County median.
The typical home in Lyerly was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 15 points above Chattooga County's 28%.
The housing stock in Lyerly is 85% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lyerly, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Lyerly are owner-occupied.
In Lyerly, 63% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Lyerly? FEMA's National Risk Index points to tornado (Relatively Moderate) in Chattooga County and Chattooga County had 27 active NFIP flood policies as of September 2026. See the full Chattooga 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 | $114,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Chattooga County | 27 |
| 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)