Home Insurance in Cumberland Gap, Tennessee
With a median home value of $203,000, Cumberland Gap is 27% higher than the Claiborne County median.
The typical home in Cumberland Gap was built around 1969. About 45% of homes were built before 1960, about 31 points above Claiborne County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cumberland Gap breaks down to 79% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Cumberland Gap, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Cumberland Gap are owner-occupied.
93% of homes in Cumberland Gap are primarily heated with electricity.
What's the biggest home insurance risk near Cumberland Gap? FEMA's National Risk Index points to wildfire (Relatively Low) in Claiborne County and Claiborne County had 27 active NFIP flood policies as of September 2026. See the full Claiborne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $203,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Claiborne County | 27 |
| 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)