Home Insurance in McKenzie, Tennessee
With a median home value of $154,500, McKenzie is 8% higher than the Carroll County median.
The typical home in McKenzie was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 8 points above Carroll County's 24%.
The housing stock in McKenzie is 69% single-family homes, 5% apartments in buildings with 5+ units and 6% 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.
53% of owner-occupied homes in McKenzie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in McKenzie are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in McKenzie - 50% - are primarily heated with electricity.
Carroll County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $154,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)