Home Insurance in Alamo, Tennessee
The median home value in Alamo is $141,500, 11% lower than the Crockett County median.
The typical home in Alamo was built around 1970. About 27% of homes were built before 1960, about 8 points above Crockett County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Alamo is 77% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Alamo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Alamo are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Alamo are primarily heated with natural gas.
Crockett County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Crockett County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $141,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Crockett County | 12 |
| 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)