Home Insurance in Trimble, Tennessee
Homes in Trimble carry a median value of $80,900 - 51% lower than the Dyer County median.
The typical home in Trimble was built around 1967. About 32% of homes were built before 1960, about 5 points above Dyer County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Trimble, the housing stock is 70% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Trimble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Trimble are owner-occupied.
In Trimble, 67% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Trimble? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Dyer County and 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 | $80,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 80% |
| 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)