HomeInsuranceQts

Home Insurance in Bean Station, Tennessee

With a median home value of $164,600, Bean Station is 13% lower than the Grainger County median.

The typical home in Bean Station was built around 1991. About 8% of homes were built before 1960, about 5 points below Grainger County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Bean Station, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Bean Station, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Bean Station has an owner-occupancy rate of 82% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.

94% of homes in Bean Station are primarily heated with electricity.

FEMA rates Grainger County's overall risk as Very Low, led by earthquake (Relatively Low). Grainger County had 20 active NFIP flood policies as of September 2026. See the full Grainger 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$164,600
Median year built1991
Owner-occupied share82%
Share of owner-occupied homes with a mortgage56%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Grainger County20
Home insurance premium$1,649 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bean Station, TN

Nearby towns

Sources

Data last updated: 2026-09-29