Home Insurance in Campbell County, Tennessee
Homes in Campbell County carry a median value of $186,500 - 35% lower than the Tennessee median.
The typical home in Campbell County was built around 1984. About 19% of homes were built before 1960, about 2 points above Tennessee's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Campbell County is 73% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
49% of owner-occupied homes in Campbell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Campbell County are owner-occupied. The vacancy rate is 16%; 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. In Campbell County, 61% of homes are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and earthquake (Relatively Low) as the leading hazards for Campbell County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Campbell County had 61 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $186,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 61 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)