Home Insurance in Chester County, Tennessee
Homes in Chester County carry a median value of $164,400 - 43% lower than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chester County was built around 1989. About 17% of homes were built before 1960, in line with Tennessee (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chester County is 80% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 53% of owner-occupied homes in Chester County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chester County has an owner-occupancy rate of 75% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
48% of homes in Chester County are primarily heated with natural gas. 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 Chester County, per FEMA's National Risk Index, are earthquake (Relatively Low), tornado (Relatively Moderate) and hurricane (Very 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, Chester County has 9 active NFIP flood policies on file.
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 | $164,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 9 |
| 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)