Home Insurance in Lilburn, Georgia
With a median home value of $329,700, Lilburn is 13% lower than the Gwinnett County median.
The typical home in Lilburn was built around 1988. About 1% of homes were built before 1960, in line with Gwinnett County (2%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Lilburn breaks down to 77% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 64% of owner-occupied homes in Lilburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lilburn has an owner-occupancy rate of 61% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Lilburn - 62% - are primarily heated with natural gas.
FEMA rates Gwinnett County's overall risk as Relatively High, led by hail (Relatively High). Gwinnett County had 1,066 active NFIP flood policies as of September 2026. See the full Gwinnett 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 | $329,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gwinnett County | 1,066 |
| 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)