Home Insurance in Decaturville, Tennessee
Homes in Decaturville carry a median value of $135,000 - close to the Decatur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Decaturville was built around 1972. About 21% of homes were built before 1960, about 7 points above Decatur County's 15%.
In Decaturville, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Decaturville, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Decaturville has an owner-occupancy rate of 74% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Decaturville - 69% - are primarily heated with natural gas.
Decatur County had 137 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Decatur 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 | $135,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Decatur County | 137 |
| 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)