Home Insurance in La Follette, Tennessee
With a median home value of $138,900, La Follette is 26% lower than the Campbell County median.
The typical home in La Follette was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 22 points above Campbell County's 19%.
The housing stock in La Follette is 66% single-family homes, 18% apartments in buildings with 5+ units and 3% 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.
In La Follette, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 40% of occupied homes in La Follette are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In La Follette, 60% of homes are primarily heated with electricity.
What's the biggest home insurance risk near La Follette? 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.
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 | $138,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)