Home Insurance in St. Joseph, Tennessee
The median home value in St. Joseph is $171,300, 12% lower than the Lawrence County median.
The typical home in St. Joseph was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 10 points above Lawrence County's 19%.
The housing stock in St. Joseph is 86% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in St. Joseph carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Joseph has an owner-occupancy rate of 80% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In St. Joseph, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near St. Joseph? FEMA's National Risk Index points to tornado (Relatively High) in Lawrence County and Lawrence County had 28 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $171,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lawrence County | 28 |
| 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)