Home Insurance in Kenton, Tennessee
The median home value in Kenton is $111,200, 29% lower than the Gibson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kenton was built around 1966. About 33% of homes were built before 1960, about 5 points above Gibson County's 28%.
The housing stock in Kenton is 86% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
34% of owner-occupied homes in Kenton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Kenton are owner-occupied.
In Kenton, 46% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kenton? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Gibson County and 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 | $111,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)