Home Insurance in Humphreys County, Tennessee
Homes in Humphreys County carry a median value of $193,400 - 33% lower than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Humphreys County was built around 1978. About 18% of homes were built before 1960, in line with Tennessee (18%).
In Humphreys County, the housing stock is 74% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Humphreys County 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 78% of occupied homes in Humphreys County are owner-occupied.
In Humphreys County, 49% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Humphreys County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Humphreys County has 96 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $193,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 96 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)