Home Insurance in Moscow, Tennessee
The median home value in Moscow is $147,800, 57% lower than the Fayette County median.
The typical home in Moscow was built around 1979. About 26% of homes were built before 1960, about 19 points above Fayette County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moscow is 61% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 84% of owner-occupied homes in Moscow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 39% of occupied homes in Moscow are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Moscow are primarily heated with electricity.
Fayette County had 83 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Fayette 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 | $147,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Fayette County | 83 |
| 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)