Home Insurance in Blythe, Georgia
The median home value in Blythe is $135,800, 24% lower than the Richmond County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blythe was built around 1992. About 17% of homes were built before 1960, about 4 points below Richmond County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blythe is 55% single-family homes and 44% mobile or manufactured homes.
In Blythe, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Blythe are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Blythe are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Blythe? FEMA's National Risk Index points to strong wind (Relatively High) in Richmond County and Richmond County had 713 active NFIP flood policies as of September 2026. See the full Richmond 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 | $135,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Richmond County | 713 |
| 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)