Home Insurance in Townsend, Tennessee
Homes in Townsend carry a median value of $370,700 - 16% higher than the Blount County median.
The typical home in Townsend was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 7 points below Blount County's 18%.
Housing in Townsend breaks down to 68% single-family homes, 29% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
50% of owner-occupied homes in Townsend carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Townsend has an owner-occupancy rate of 87% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
In Townsend, 90% of homes 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.
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.
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 | $370,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)