Home Insurance in Blaine, Tennessee
The median home value in Blaine is $297,400, 57% higher than the Grainger County median.
The typical home in Blaine was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 8 points below Grainger County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blaine is 68% single-family homes, 8% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
In Blaine, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blaine has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 91% of homes in Blaine are primarily heated with electricity.
What's the biggest home insurance risk near Blaine? FEMA's National Risk Index points to earthquake (Relatively Low) in Grainger County and 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.
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 | $297,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Grainger County | 20 |
| 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)