Home Insurance in Chattanooga, Tennessee
With a median home value of $283,200, Chattanooga is 9% lower than the Hamilton County median.
The typical home in Chattanooga was built around 1976. About 29% of homes were built before 1960, about 6 points above Hamilton County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Chattanooga, the housing stock is 63% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
59% of owner-occupied homes in Chattanooga carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Chattanooga are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chattanooga, 73% of homes are primarily heated with electricity.
Hamilton County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Hamilton County had 1,842 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $283,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hamilton County | 1,842 |
| 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)