Home Insurance in Rogersville, Tennessee
Homes in Rogersville carry a median value of $192,800 - 9% higher than the Hawkins County median.
The typical home in Rogersville was built around 1966. About 37% of homes were built before 1960, about 19 points above Hawkins County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Rogersville breaks down to 68% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Rogersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Rogersville are owner-occupied.
52% of homes in Rogersville are primarily heated with natural gas.
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.
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 | $192,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)