Home Insurance in Lynchburg, Moore County, Tennessee
Homes in Lynchburg, Moore County carry a median value of $285,300 - close to the Moore County median.
The typical home in Lynchburg, Moore County was built around 1991. About 14% of homes were built before 1960, in line with Moore County (14%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lynchburg, Moore County, the housing stock is 83% single-family homes, 3% apartments in buildings with 5+ units 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 Lynchburg, Moore County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Lynchburg, Moore County are owner-occupied.
Most homes in Lynchburg, Moore County - 71% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Moore County's overall risk as Very Low, led by tornado (Relatively Low). Moore County had 6 active NFIP flood policies as of September 2026. See the full Moore County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $285,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Moore County | 6 |
| 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)