Home Insurance in Newbern, Tennessee
Homes in Newbern carry a median value of $99,700 - 40% lower than the Dyer County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Newbern was built around 1973. About 31% of homes were built before 1960, about 4 points above Dyer County's 27%.
In Newbern, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Newbern carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Newbern has an owner-occupancy rate of 67% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Newbern - 50% - are primarily heated with electricity.
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.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $99,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)