Home Insurance in New Johnsonville, Tennessee
Homes in New Johnsonville carry a median value of $158,400 - 18% lower than the Humphreys County median.
The typical home in New Johnsonville was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, in line with Humphreys County (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Johnsonville is 90% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 50% of owner-occupied homes in New Johnsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Johnsonville has an owner-occupancy rate of 88% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in New Johnsonville - 60% - are primarily heated with natural gas.
FEMA rates Humphreys County's overall risk as Relatively Low, led by earthquake (Relatively Low). Humphreys County had 96 active NFIP flood policies as of September 2026. See the full Humphreys 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 | $158,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Humphreys County | 96 |
| 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)