Home Insurance in Humboldt, Tennessee
The median home value in Humboldt is $102,300, 35% lower than the Gibson County median.
The typical home in Humboldt was built around 1971. About 33% of homes were built before 1960, about 5 points above Gibson County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Humboldt, the housing stock is 71% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Humboldt, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Humboldt has an owner-occupancy rate of 55% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Humboldt, 54% of homes are primarily heated with natural gas.
FEMA rates Gibson County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Gibson County had 126 active NFIP flood policies as of September 2026. See the full Gibson 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 | $102,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Gibson County | 126 |
| 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)