Home Insurance in Scotts Hill, Tennessee
The median home value in Scotts Hill is $113,500, 31% lower than the Henderson County median.
The typical home in Scotts Hill was built around 1987. About 11% of homes were built before 1960, about 2 points below Henderson County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scotts Hill is 63% single-family homes and 31% mobile or manufactured homes.
In Scotts Hill, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scotts Hill has an owner-occupancy rate of 60% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
53% of homes in Scotts Hill are primarily heated with electricity.
What's the biggest home insurance risk near Scotts Hill? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Henderson County and Henderson County had 23 active NFIP flood policies as of September 2026. See the full Henderson 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 | $113,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Henderson County | 23 |
| 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)