Home Insurance in Rossville, Tennessee
The median home value in Rossville is $481,800, 41% higher than the Fayette County median.
The typical home in Rossville was built around 2007. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 4 points below Fayette County's 7%.
In Rossville, the housing stock is 94% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Rossville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Rossville are owner-occupied.
Most homes in Rossville - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Rossville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Fayette County and Fayette County had 83 active NFIP flood policies as of September 2026. 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 | $481,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)