Home Insurance in Lewis County, Tennessee
Homes in Lewis County carry a median value of $173,400 - 40% lower than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lewis County was built around 1991. About 13% of homes were built before 1960, about 5 points below 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 Lewis County is 73% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
About 52% of owner-occupied homes in Lewis County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Lewis County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lewis County - 57% - 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.
Per FEMA's National Risk Index, Lewis County's top hazards are earthquake (Relatively Low), tornado (Relatively Low) and hurricane (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lewis County had 17 active National Flood Insurance Program policies as of September 2026. 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 | $173,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 17 |
| 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)