Home Insurance in Johnson County, Tennessee
The median home value in Johnson County is $178,600, 38% lower than the Tennessee median.
The typical home in Johnson County was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 3 points above Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Johnson County is 70% single-family homes, 4% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
In Johnson County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Johnson County are owner-occupied.
Most homes in Johnson County - 61% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Johnson County, per FEMA's National Risk Index, are wildfire (Very Low), hurricane (Very Low) and inland flooding (Relatively Low).
As of September 2026, Johnson County has 82 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $178,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hurricane (Very Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 82 |
| 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)