Home Insurance in Camden, Tennessee
With a median home value of $155,200, Camden is close to the Benton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Camden was built around 1965. About 43% of homes were built before 1960, about 24 points above Benton County's 19%.
Housing in Camden breaks down to 85% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 39% of owner-occupied homes in Camden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Camden has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
68% of homes in Camden are primarily heated with natural gas.
Benton County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Benton County had 46 active NFIP flood policies as of September 2026. See the full Benton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $155,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Benton County | 46 |
| 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)