Home Insurance in Soddy-Daisy, Tennessee
The median home value in Soddy-Daisy is $256,600, 18% lower than the Hamilton County median.
The typical home in Soddy-Daisy was built around 1989. About 16% of homes were built before 1960, about 7 points below Hamilton County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Soddy-Daisy is 75% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 50% of owner-occupied homes in Soddy-Daisy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Soddy-Daisy are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Soddy-Daisy 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.
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 | $256,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)