Home Insurance in Church Hill, Tennessee
With a median home value of $211,000, Church Hill is 20% higher than the Hawkins County median.
The typical home in Church Hill was built around 1988. About 15% of homes were built before 1960, about 3 points below Hawkins County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Church Hill is 79% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Church Hill, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Church Hill has an owner-occupancy rate of 82% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Church Hill - 62% - are primarily heated with electricity.
FEMA rates Hawkins County's overall risk as Relatively Low, led by earthquake (Relatively Low). Hawkins County had 68 active NFIP flood policies as of September 2026. 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.
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 | $211,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)