Home Insurance in Whiteville, Tennessee
The median home value in Whiteville is $124,400, close to the Hardeman County median.
The typical home in Whiteville was built around 1975. About 37% of homes were built before 1960, about 20 points above Hardeman County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Whiteville is 72% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Whiteville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Whiteville are owner-occupied.
In Whiteville, 61% of homes are primarily heated with natural gas.
Hardeman County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Hardeman County had 7 active NFIP flood policies as of September 2026. See the full Hardeman County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $124,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Hardeman County | 7 |
| 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)