Home Insurance in Gibson County, Tennessee
Homes in Gibson County carry a median value of $156,900 - 45% lower than the Tennessee median.
The typical home in Gibson County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 10 points above Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gibson County is 77% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Gibson County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gibson County has an owner-occupancy rate of 69% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Gibson County, 52% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Gibson County's top hazards are earthquake (Relatively Moderate), tornado (Relatively High) and winter weather (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Gibson County has 126 active NFIP flood policies on file.
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 | $156,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 126 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)