Home Insurance in Tracy City, Tennessee
The median home value in Tracy City is $136,300, 11% lower than the Grundy County median.
The typical home in Tracy City was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 4 points above Grundy County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tracy City is 68% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
42% of owner-occupied homes in Tracy City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tracy City has an owner-occupancy rate of 60% and a vacancy rate of 19%; 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. Most homes in Tracy City - 73% - are primarily heated with electricity.
Grundy County had 13 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Grundy County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $136,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)