Home Insurance in Rockford, Tennessee
With a median home value of $283,500, Rockford is 12% lower than the Blount County median.
The typical home in Rockford was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 2 points above Blount County's 18%.
The housing stock in Rockford is 83% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rockford, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Rockford are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rockford - 62% - are primarily heated with electricity.
Blount County had 300 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $283,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)