Home Insurance in Friendsville, Tennessee
Homes in Friendsville carry a median value of $217,800 - 32% lower than the Blount County median.
The typical home in Friendsville was built around 1970. About 40% of homes were built before 1960, about 22 points above Blount County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Friendsville, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Friendsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Friendsville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Friendsville - 88% - are primarily heated with electricity.
What's the biggest home insurance risk near Friendsville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Blount County and Blount County had 300 active NFIP flood policies as of September 2026. See the full Blount 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 | $217,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Blount County | 300 |
| 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)