Home Insurance in Lenox, Georgia
With a median home value of $89,700, Lenox is 43% lower than the Cook County median.
The typical home in Lenox was built around 1972. About 36% of homes were built before 1960, about 20 points above Cook County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lenox, the housing stock is 68% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 14% of owner-occupied homes in Lenox have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Lenox are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lenox - 88% - 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.
Cook County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Cook County had 78 active NFIP flood policies as of September 2026. See the full Cook 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 | $89,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Cook 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)