Home Insurance in Hawkins County, Tennessee
With a median home value of $176,300, Hawkins County is 39% lower than the Tennessee median.
The typical home in Hawkins County was built around 1986. About 18% of homes were built before 1960, in line with Tennessee (18%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hawkins County, the housing stock is 69% single-family homes, 6% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Hawkins County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hawkins County has an owner-occupancy rate of 80% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
71% of homes in Hawkins County are primarily heated with electricity.
The top hazards for Hawkins County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hawkins County has 68 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $176,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 68 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)