Home Insurance in Puryear, Tennessee
With a median home value of $125,000, Puryear is 22% lower than the Henry County median.
The typical home in Puryear was built around 1972. About 25% of homes were built before 1960, about 6 points above Henry County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Puryear, the housing stock is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Puryear have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Puryear are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Puryear are primarily heated with natural gas.
Henry County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)