Home Insurance in Louisville, Tennessee
With a median home value of $379,900, Louisville is 19% higher than the Blount 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 Louisville was built around 1991. About 11% of homes were built before 1960, about 6 points below Blount County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Louisville is 90% single-family homes and 9% mobile or manufactured homes.
In Louisville, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Louisville are owner-occupied.
76% of homes in Louisville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Blount County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $379,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)