Home Insurance in Atwood, Tennessee
The median home value in Atwood is $91,000, 36% lower than the Carroll County median.
The typical home in Atwood was built around 1971. About 29% of homes were built before 1960, about 5 points above Carroll County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Atwood is 82% single-family homes and 15% mobile or manufactured homes.
44% of owner-occupied homes in Atwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Atwood are owner-occupied.
In Atwood, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Atwood? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Carroll County and Carroll County had 23 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $91,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Carroll County | 23 |
| 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)