Home Insurance in White Pine, Tennessee
With a median home value of $203,900, White Pine is 11% lower than the Jefferson County median.
The typical home in White Pine was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 15 points above Jefferson County's 14%.
In White Pine, the housing stock is 70% single-family homes, 11% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In White Pine, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
White Pine has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in White Pine - 76% - are primarily heated with electricity.
FEMA rates Jefferson County's overall risk as Relatively Low, led by earthquake (Relatively Low). Jefferson County had 97 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $203,900 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Jefferson County | 97 |
| 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)