Home Insurance in Lumber City, Georgia
With a median home value of $77,200, Lumber City is 32% lower than the Telfair County median.
The typical home in Lumber City was built around 1985. About 16% of homes were built before 1960, about 7 points below Telfair County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lumber City, the housing stock is 57% single-family homes, 8% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lumber City, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lumber City has an owner-occupancy rate of 56% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
91% of homes in Lumber City are primarily heated with electricity.
What's the biggest home insurance risk near Lumber City? FEMA's National Risk Index points to hurricane (Relatively Low) in Telfair County and Telfair County had 7 active NFIP flood policies as of September 2026. See the full Telfair 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 | $77,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Telfair 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)