Home Insurance in Blount County, Tennessee
The median home value in Blount County is $320,500, 12% higher than the Tennessee median.
The typical home in Blount County was built around 1990. About 18% of homes were built before 1960, in line with Tennessee (18%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blount County is 79% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Blount County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Blount County are owner-occupied.
Most homes in Blount County - 69% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), inland flooding (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Blount County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Blount County has 300 active NFIP flood policies on file.
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 | $320,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 300 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)