Home Insurance in Newport, Tennessee
With a median home value of $133,500, Newport is 16% lower than the Cocke County median.
The typical home in Newport was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 16 points above Cocke County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Newport is 61% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Newport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Newport has an owner-occupancy rate of 56% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Newport, 76% of homes are primarily heated with electricity.
Cocke County had 136 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Cocke County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $133,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Cocke County | 136 |
| 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)