Home Insurance in Anderson County, Tennessee
Homes in Anderson County carry a median value of $239,400 - 16% lower than the Tennessee median.
The typical home in Anderson County was built around 1977. About 31% of homes were built before 1960, about 14 points above Tennessee's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Anderson County, the housing stock is 74% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Anderson County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Anderson County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Anderson County, 57% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Anderson County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Anderson County had 130 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $239,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 130 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
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)