Home Insurance in Mount Carmel, Tennessee
The median home value in Mount Carmel is $179,600, close to the Hawkins County median.
The typical home in Mount Carmel was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 6 points above Hawkins County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Carmel is 92% single-family homes and 8% mobile or manufactured homes.
In Mount Carmel, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Mount Carmel are owner-occupied.
70% of homes in Mount Carmel are primarily heated with electricity.
Hawkins County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $179,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)