Home Insurance in Mosheim, Tennessee
The median home value in Mosheim is $160,700, 23% lower than the Greene County median.
The typical home in Mosheim was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, in line with Greene County (20%).
The housing stock in Mosheim is 50% single-family homes, 8% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Mosheim carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mosheim has an owner-occupancy rate of 68% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
91% of homes in Mosheim 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.
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 | $160,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)