Home Insurance in Lexington, Georgia
With a median home value of $422,100, Lexington is 82% higher than the Oglethorpe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lexington was built around 1954. About 55% of homes were built before 1960, about 42 points above Oglethorpe County's 13%.
In Lexington, the housing stock is 69% single-family homes and 25% apartments in buildings with 5+ units.
In Lexington, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Lexington are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Lexington are primarily heated with electricity.
What's the biggest home insurance risk near Lexington? FEMA's National Risk Index points to hurricane (Relatively Low) in Oglethorpe County and Oglethorpe County had 7 active NFIP flood policies as of September 2026. See the full Oglethorpe 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 | $422,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Oglethorpe County | 7 |
| 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)