Home Insurance in Wartburg, Tennessee
The median home value in Wartburg is $192,000, 15% higher than the Morgan County median.
The typical home in Wartburg was built around 1977. About 21% of homes were built before 1960, about 3 points above Morgan County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Wartburg breaks down to 52% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Wartburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wartburg has an owner-occupancy rate of 36% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
55% of homes in Wartburg are primarily heated with electricity.
Morgan County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Morgan County had 9 active NFIP flood policies as of September 2026. See the full Morgan 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 | $192,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Morgan County | 9 |
| 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)