Home Insurance in Hornsby, Tennessee
With a median home value of $106,300, Hornsby is 13% lower than the Hardeman County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hornsby was built around 1976. About 17% of homes were built before 1960, in line with Hardeman County (17%).
In Hornsby, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hornsby, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hornsby has an owner-occupancy rate of 89% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Hornsby - 51% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hornsby? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Hardeman County and Hardeman County had 7 active NFIP flood policies as of September 2026. See the full Hardeman 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 | $106,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Hardeman County | 7 |
| 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)