Home Insurance in Norris, Tennessee
Homes in Norris carry a median value of $315,900 - 32% higher than the Anderson County median.
The typical home in Norris was built around 1970. About 41% of homes were built before 1960, about 9 points above Anderson County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Norris breaks down to 78% single-family homes and 20% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Norris have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Norris are owner-occupied.
In Norris, 65% of homes are primarily heated with electricity.
FEMA rates Anderson County's overall risk as Relatively Low, led by earthquake (Relatively Low). Anderson County had 130 active NFIP flood policies as of September 2026. See the full Anderson 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 | $315,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Anderson County | 130 |
| 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)