Home Insurance in Henderson County, Tennessee
Homes in Henderson County carry a median value of $164,800 - 43% lower than the Tennessee median.
The typical home in Henderson County was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 4 points below Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Henderson County is 72% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
In Henderson County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Henderson County are owner-occupied.
In Henderson County, 57% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Henderson County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Henderson County has 23 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $164,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 23 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)