Home Insurance in Lewisburg, Tennessee
Homes in Lewisburg carry a median value of $225,700 - 19% lower than the Marshall County median.
The typical home in Lewisburg was built around 1978. About 22% of homes were built before 1960, about 4 points above Marshall County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lewisburg breaks down to 78% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Lewisburg, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Lewisburg are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lewisburg, 61% of homes are primarily heated with electricity.
Marshall County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Marshall County had 117 active NFIP flood policies as of September 2026. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $225,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Marshall County | 117 |
| 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)