Home Insurance in Lee County, Georgia
The median home value in Lee County is $231,800, 24% lower than the Georgia median.
The typical home in Lee County was built around 1998. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 10 points below Georgia's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lee County is 78% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
69% of owner-occupied homes in Lee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lee County has an owner-occupancy rate of 74% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
93% of homes in Lee County are primarily heated with electricity.
Per FEMA's National Risk Index, Lee County's top hazards are hurricane (Relatively Low), tornado (Relatively Moderate) and wildfire (Very Low).
As of September 2026, Lee County has 218 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $231,800 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 218 |
| 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)