Home Insurance in Bells, Tennessee
The median home value in Bells is $169,000, 6% higher than the Crockett County median.
The typical home in Bells was built around 1994. About 13% of homes were built before 1960, about 6 points below Crockett County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bells, the housing stock is 81% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bells, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bells has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
59% of homes in Bells are primarily heated with electricity.
FEMA rates Crockett County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Crockett County had 12 active NFIP flood policies as of September 2026. 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.
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 | $169,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)