Home Insurance in Cannon County, Tennessee
The median home value in Cannon County is $252,000, 12% lower than the Tennessee median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cannon County was built around 1990. About 18% of homes were built before 1960, in line with Tennessee (18%).
In Cannon County, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Cannon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Cannon County are owner-occupied.
Most homes in Cannon County - 65% - 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.
The top hazards for Cannon County, per FEMA's National Risk Index, are tornado (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cannon County has 53 active NFIP flood policies on file.
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 | $252,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 53 |
| 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)