Home Insurance in Celina, Tennessee
The median home value in Celina is $203,200, 49% higher than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Celina was built around 1982. About 9% of homes were built before 1960, in line with Clay County (10%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Celina is 48% single-family homes, 19% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 36% of owner-occupied homes in Celina have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 35% of occupied homes in Celina are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Celina are primarily heated with electricity.
FEMA rates Clay County's overall risk as Very Low, led by hail (Relatively Low). Clay County had 13 active NFIP flood policies as of September 2026. See the full Clay 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 | $203,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Clay County | 13 |
| 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)