Home Insurance in Maryville, Tennessee
Homes in Maryville carry a median value of $358,100 - 12% higher than the Blount County median.
The typical home in Maryville was built around 1985. About 25% of homes were built before 1960, about 7 points above Blount County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Maryville breaks down to 77% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Maryville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Maryville are owner-occupied.
Most homes in Maryville - 54% - are primarily heated with electricity.
FEMA rates Blount County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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 | $358,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)