Home Insurance in Parrottsville, Tennessee
The median home value in Parrottsville is $134,400, 15% lower than the Cocke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Parrottsville was built around 1995. About 11% of homes were built before 1960, about 6 points below 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 Parrottsville is 30% single-family homes, 26% apartments in buildings with 5+ units and 28% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Parrottsville, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Parrottsville has an owner-occupancy rate of 42% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
94% of homes in Parrottsville are primarily heated with electricity.
FEMA rates Cocke County's overall risk as Relatively Low, led by earthquake (Relatively Low). Cocke County had 136 active NFIP flood policies as of September 2026. 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 | $134,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)