Home Insurance in Jamestown, Tennessee
Homes in Jamestown carry a median value of $135,000 - 20% lower than the Fentress 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 Jamestown was built around 1982. About 11% of homes were built before 1960, about 1 point below Fentress County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jamestown is 57% single-family homes, 17% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Jamestown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jamestown has an owner-occupancy rate of 41% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
57% of homes in Jamestown are primarily heated with electricity.
FEMA rates Fentress County's overall risk as Very Low, led by wildfire (Relatively Low). Fentress County had 4 active NFIP flood policies as of September 2026. See the full Fentress 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 | $135,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Fentress County | 4 |
| 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)