HomeInsuranceQts

Home Insurance in Paris, Tennessee

With a median home value of $163,600, Paris is close to the Henry County median.

The typical home in Paris was built around 1971. About 32% of homes were built before 1960, about 13 points above Henry County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Paris, the housing stock is 65% single-family homes, 14% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

53% of owner-occupied homes in Paris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Paris has an owner-occupancy rate of 57% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.

50% of homes in Paris are primarily heated with electricity.

FEMA rates Henry County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Henry County had 109 active NFIP flood policies as of September 2026. 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.

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$163,600
Median year built1971
Owner-occupied share57%
Share of owner-occupied homes with a mortgage53%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Henry County109
Home insurance premium$1,649 - statewide average (NAIC, 2023 data)
Key home insurance figures for Paris, TN

Nearby towns

Sources

Data last updated: 2026-09-29