Home Insurance in Dyersburg, Tennessee
Homes in Dyersburg carry a median value of $168,300 - close to the Dyer County median.
The typical home in Dyersburg was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 11 points above Dyer County's 27%.
The housing stock in Dyersburg is 75% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Dyersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Dyersburg are owner-occupied.
Most homes in Dyersburg - 53% - are primarily heated with natural gas.
Dyer County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Dyer County had 186 active NFIP flood policies as of September 2026. See the full Dyer County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $168,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Dyer County | 186 |
| 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)