Home Insurance in Liberty, Tennessee
Homes in Liberty carry a median value of $186,500 - 21% lower than the DeKalb County median.
The typical home in Liberty was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 25 points above DeKalb County's 11%.
In Liberty, the housing stock is 82% single-family homes and 4% 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 Liberty, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Liberty are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Liberty are primarily heated with natural gas.
What's the biggest home insurance risk near Liberty? FEMA's National Risk Index points to earthquake (Relatively Low) in DeKalb County and DeKalb County had 35 active NFIP flood policies as of September 2026. See the full DeKalb County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $186,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in DeKalb County | 35 |
| Home insurance premium | $1,649 - 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)