Home Insurance in Greene County, Tennessee
The median home value in Greene County is $207,500, 28% lower than the Tennessee median.
The typical home in Greene County was built around 1983. About 20% of homes were built before 1960, about 3 points above Tennessee's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Greene County is 69% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greene County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Greene County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Greene County - 83% - are primarily heated with electricity. Homes heated with propane 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), inland flooding (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Greene County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Greene County had 89 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $207,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Inland Flooding (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 89 |
| 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)