Home Insurance in Jackson County, Tennessee
The median home value in Jackson County is $155,500, 46% lower than the Tennessee median.
The typical home in Jackson County was built around 1989. About 14% of homes were built before 1960, about 3 points below Tennessee's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jackson County, the housing stock is 71% single-family homes, 3% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Jackson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Jackson County are owner-occupied.
Most homes in Jackson County - 72% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), tornado (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Jackson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jackson County has 22 active NFIP flood policies on file.
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 | $155,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 22 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
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)