Home Insurance in Baileyton, Tennessee
With a median home value of $164,300, Baileyton is 21% lower than the Greene County median.
The typical home in Baileyton was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 19 points above Greene County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Baileyton is 72% single-family homes, 14% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 55% of owner-occupied homes in Baileyton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baileyton has an owner-occupancy rate of 57% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Baileyton, 88% of homes are primarily heated with electricity.
Greene County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Greene County had 89 active NFIP flood policies as of September 2026. See the full Greene 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 | $164,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Greene County | 89 |
| 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)