Home Insurance in Lilly, Georgia
Homes in Lilly carry a median value of $76,400 - 29% lower than the Dooly County median.
The typical home in Lilly was built around 1993. About 17% of homes were built before 1960, about 2 points below Dooly County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lilly is 50% single-family homes and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
34% of owner-occupied homes in Lilly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lilly has an owner-occupancy rate of 51% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Lilly, 100% of homes are primarily heated with electricity.
Dooly County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Dooly 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 | $76,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Dooly County | 23 |
| 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)