Home Insurance in Grainger County, Tennessee
The median home value in Grainger County is $189,200, 34% lower than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Grainger County was built around 1992. About 14% of homes were built before 1960, about 4 points below Tennessee's 18%.
The housing stock in Grainger County is 64% single-family homes, 3% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Grainger County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Grainger County are owner-occupied.
Most homes in Grainger County - 83% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), wildfire (Very Low) and strong wind (Relatively Low) as the leading hazards for Grainger County. 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, Grainger County has 20 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $189,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Wildfire (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 20 |
| 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)