Home Insurance in Tazewell, Tennessee
With a median home value of $196,800, Tazewell is 23% higher than the Claiborne County median.
The typical home in Tazewell was built around 1973. About 13% of homes were built before 1960, in line with Claiborne County (14%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tazewell is 77% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 41% of owner-occupied homes in Tazewell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Tazewell are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Tazewell, 80% of homes are primarily heated with electricity.
Claiborne County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 | $196,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)