Home Insurance in Dyer, Tennessee
With a median home value of $113,500, Dyer is 28% lower than the Gibson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dyer was built around 1966. About 34% of homes were built before 1960, about 7 points above Gibson County's 28%.
In Dyer, the housing stock is 81% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dyer, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Dyer are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dyer - 59% - are primarily heated with electricity.
Gibson County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Gibson County had 126 active NFIP flood policies as of September 2026. See the full Gibson 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 | $113,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Gibson County | 126 |
| 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)