Home Insurance in Sneedville, Tennessee
Homes in Sneedville carry a median value of $151,000 - 12% higher than the Hancock County median.
The typical home in Sneedville was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, in line with Hancock County (26%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sneedville is 51% single-family homes, 24% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 22% of owner-occupied homes in Sneedville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 37% of occupied homes in Sneedville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sneedville, 89% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Sneedville? FEMA's National Risk Index points to wildfire (Very Low) in Hancock County and Hancock County had 16 active NFIP flood policies as of September 2026. See the full Hancock 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 | $151,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Hancock County | 16 |
| 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)