Home Insurance in Harrogate, Tennessee
The median home value in Harrogate is $203,900, 28% higher than the Claiborne County median.
The typical home in Harrogate was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 4 points above Claiborne County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harrogate is 87% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Harrogate, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Harrogate are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Harrogate are primarily heated with electricity.
Claiborne County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Claiborne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $203,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)