Home Insurance in Gadsden, Tennessee
With a median home value of $153,700, Gadsden is close to the Crockett County median.
The typical home in Gadsden was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, in line with Crockett County (19%).
In Gadsden, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Gadsden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Gadsden are owner-occupied.
Most homes in Gadsden - 67% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Gadsden? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Crockett County and 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 | $153,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)