Home Insurance in Erin, Tennessee
Homes in Erin carry a median value of $202,900 - 17% higher than the Houston County median.
The typical home in Erin was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 10 points above Houston County's 21%.
The housing stock in Erin is 67% single-family homes, 11% apartments in buildings with 5+ units and 5% 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.
36% of owner-occupied homes in Erin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Erin are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Erin, 62% of homes are primarily heated with electricity.
Houston County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Houston County had 38 active NFIP flood policies as of September 2026. See the full Houston 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 | $202,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Houston County | 38 |
| 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)