Home Insurance in Loudon, Tennessee
Homes in Loudon carry a median value of $244,200 - 30% lower than the Loudon County median.
The typical home in Loudon was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 20 points above Loudon County's 16%.
In Loudon, the housing stock is 81% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 45% of owner-occupied homes in Loudon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Loudon has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Loudon, 51% of homes are primarily heated with natural gas.
Loudon County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Loudon County had 78 active NFIP flood policies as of September 2026. See the full Loudon County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $244,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Loudon County | 78 |
| 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)