Home Insurance in Bulls Gap, Tennessee
Homes in Bulls Gap carry a median value of $178,500 - close to the Hawkins County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bulls Gap was built around 1971. About 36% of homes were built before 1960, about 17 points above Hawkins County's 18%.
In Bulls Gap, the housing stock is 63% single-family homes, 12% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Bulls Gap carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Bulls Gap are owner-occupied.
In Bulls Gap, 80% of homes are primarily heated with electricity.
Hawkins County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Hawkins 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 | $178,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Hawkins County | 68 |
| 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)