Home Insurance in Sharon, Tennessee
Homes in Sharon carry a median value of $99,400 - 34% lower than the Weakley County median.
The typical home in Sharon was built around 1969. About 33% of homes were built before 1960, about 12 points above Weakley County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sharon, the housing stock is 82% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Sharon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Sharon are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sharon, 49% of homes are primarily heated with electricity.
FEMA rates Weakley County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Weakley County had 30 active NFIP flood policies as of September 2026. See the full Weakley County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $99,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Weakley County | 30 |
| 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)