Home Insurance in Lamar County, Georgia
Homes in Lamar County carry a median value of $216,500 - 29% lower than the Georgia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lamar County was built around 1988. About 17% of homes were built before 1960, about 5 points above Georgia's 12%.
In Lamar County, the housing stock is 74% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Lamar County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lamar County has an owner-occupancy rate of 76% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Lamar County, 66% 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.
FEMA's National Risk Index lists hurricane (Relatively Low), earthquake (Very Low) and hail (Relatively Low) as the leading hazards for Lamar County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lamar County has 12 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $216,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)