Home Insurance in Clarksburg, Tennessee
The median home value in Clarksburg is $152,500, 7% higher than the Carroll County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clarksburg was built around 1990. About 15% of homes were built before 1960, about 9 points below Carroll County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarksburg is 77% single-family homes and 20% mobile or manufactured homes.
37% of owner-occupied homes in Clarksburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clarksburg has an owner-occupancy rate of 85% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Clarksburg, 56% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clarksburg? 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 | $152,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)