Home Insurance in Leesburg, Georgia
The median home value in Leesburg is $199,200, 14% lower than the Lee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leesburg was built around 2005. About 2% of homes were built before 1960, in line with Lee County (2%).
The housing stock in Leesburg is 66% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 79% of owner-occupied homes in Leesburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leesburg has an owner-occupancy rate of 58% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Leesburg - 96% - are primarily heated with electricity.
What's the biggest home insurance risk near Leesburg? FEMA's National Risk Index points to hurricane (Relatively Low) in Lee County and Lee County had 218 active NFIP flood policies as of September 2026. See the full Lee 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 | $199,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lee County | 218 |
| 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)