Home Insurance in Enville, Tennessee
Homes in Enville carry a median value of $137,500 - 16% lower than the Chester County median.
The typical home in Enville was built around 1958. About 56% of homes were built before 1960, about 39 points above Chester County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Enville, the housing stock is 97% single-family homes and 2% mobile or manufactured homes.
In Enville, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Enville are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Enville are primarily heated with natural gas.
FEMA rates Chester County's overall risk as Relatively Low, led by earthquake (Relatively Low). Chester County had 9 active NFIP flood policies as of September 2026. See the full Chester County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $137,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Chester County | 9 |
| 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)