Home Insurance in Smithville, Georgia
Homes in Smithville carry a median value of $111,500 - 52% lower than the Lee County median.
The typical home in Smithville was built around 1987. About 19% of homes were built before 1960, about 17 points above Lee County's 2%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Smithville is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Smithville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Smithville are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Smithville - 69% - are primarily heated with electricity.
FEMA rates Lee County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $111,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)