Home Insurance in Henning, Tennessee
With a median home value of $72,500, Henning is 49% lower than the Lauderdale County median.
The typical home in Henning was built around 1983. About 14% of homes were built before 1960, about 8 points below Lauderdale County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Henning is 66% single-family homes, 16% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Henning have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henning has an owner-occupancy rate of 68% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Henning - 51% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lauderdale County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Lauderdale County had 76 active NFIP flood policies as of September 2026. See the full Lauderdale County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $72,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lauderdale County | 76 |
| 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)