Home Insurance in Byron, Georgia
The median home value in Byron is $253,200, 22% higher than the Peach County median.
The typical home in Byron was built around 2006. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 17 points below Peach County's 18%.
The housing stock in Byron is 95% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
84% of owner-occupied homes in Byron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Byron are owner-occupied.
Most homes in Byron - 85% - are primarily heated with electricity.
Peach County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Peach County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $253,200 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Peach County | 25 |
| 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)