Home Insurance in Greeneville, Tennessee
The median home value in Greeneville is $227,400, 10% higher than the Greene County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Greeneville was built around 1971. About 31% of homes were built before 1960, about 10 points above Greene County's 20%.
In Greeneville, the housing stock is 71% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
63% of owner-occupied homes in Greeneville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greeneville has an owner-occupancy rate of 63% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Greeneville, 79% 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 | $227,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)