Home Insurance in Gruetli-Laager, Tennessee
With a median home value of $154,700, Gruetli-Laager is close to the Grundy County median.
The typical home in Gruetli-Laager was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 1 point below Grundy County's 19%.
The housing stock in Gruetli-Laager is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Gruetli-Laager carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gruetli-Laager has an owner-occupancy rate of 92% and a vacancy rate of 25%; 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 Gruetli-Laager, 59% of homes are primarily heated with electricity.
Grundy County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Grundy County had 13 active NFIP flood policies as of September 2026. See the full Grundy County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $154,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Grundy County | 13 |
| 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)