Home Insurance in Jacksboro, Tennessee
The median home value in Jacksboro is $236,500, 27% higher than the Campbell County median.
The typical home in Jacksboro was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 6 points below Campbell County's 19%.
The housing stock in Jacksboro is 65% single-family homes, 18% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Jacksboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Jacksboro are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jacksboro, 56% of homes are primarily heated with electricity.
Campbell County had 61 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Campbell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $236,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Campbell County | 61 |
| 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)