Home Insurance in Lyons, Georgia
Homes in Lyons carry a median value of $122,000 - 11% lower than the Toombs County median.
The typical home in Lyons was built around 1974. About 22% of homes were built before 1960, about 9 points above Toombs County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lyons is 59% single-family homes, 5% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Lyons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 50% of occupied homes in Lyons are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lyons - 92% - are primarily heated with electricity.
Toombs County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Toombs County had 53 active NFIP flood policies as of September 2026. See the full Toombs 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 | $122,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Toombs County | 53 |
| 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)