Home Insurance in Sylvester, Georgia
Homes in Sylvester carry a median value of $115,900 - 10% higher than the Worth County median.
The typical home in Sylvester was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 2 points above Worth County's 16%.
The housing stock in Sylvester is 74% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sylvester, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sylvester has an owner-occupancy rate of 57% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Sylvester, 78% of homes are primarily heated with electricity.
FEMA rates Worth County's overall risk as Very Low, led by hurricane (Relatively Low). Worth County had 63 active NFIP flood policies as of September 2026. See the full Worth 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 | $115,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Worth County | 63 |
| 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)