Home Insurance in Henry, Tennessee
With a median home value of $100,500, Henry is 37% lower than the Henry County median.
The typical home in Henry was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 1 point below Henry County's 19%.
The housing stock in Henry is 50% single-family homes and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Henry, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Henry are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Henry - 59% - are primarily heated with electricity.
Henry County had 109 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Henry 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 | $100,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Henry County | 109 |
| 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)