Home Insurance in Crab Orchard, Tennessee
With a median home value of $164,700, Crab Orchard is 34% lower than the Cumberland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crab Orchard was built around 1979. About 19% of homes were built before 1960, about 11 points above Cumberland County's 7%.
The housing stock in Crab Orchard is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Crab Orchard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crab Orchard has an owner-occupancy rate of 90% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Crab Orchard are primarily heated with electricity.
What's the biggest home insurance risk near Crab Orchard? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cumberland County and Cumberland County had 22 active NFIP flood policies as of September 2026. See the full Cumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $164,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cumberland County | 22 |
| 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)