Home Insurance in Brownsville, Tennessee
The median home value in Brownsville is $158,100, close to the Haywood County median.
The typical home in Brownsville was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, in line with Haywood County (19%).
The housing stock in Brownsville is 78% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Brownsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brownsville has an owner-occupancy rate of 48% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
60% of homes in Brownsville are primarily heated with electricity.
Haywood County had 82 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Haywood 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 | $158,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Haywood County | 82 |
| 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)