Home Insurance in Jellico, Tennessee
The median home value in Jellico is $127,300, 32% lower than the Campbell County median.
The typical home in Jellico was built around 1977. About 28% of homes were built before 1960, about 9 points above Campbell County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jellico is 56% single-family homes, 17% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Jellico carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Jellico are owner-occupied.
Most homes in Jellico - 79% - are primarily heated with electricity.
What's the biggest home insurance risk near Jellico? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Campbell County and Campbell County had 61 active NFIP flood policies as of September 2026. See the full Campbell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $127,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)