Home Insurance in Monteagle, Tennessee
Homes in Monteagle carry a median value of $309,500 - 59% higher than the Marion County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Monteagle was built around 1989. About 14% of homes were built before 1960, in line with Marion County (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Monteagle is 77% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 53% of owner-occupied homes in Monteagle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Monteagle are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Monteagle - 63% - 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.
What's the biggest home insurance risk near Monteagle? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Marion County and Marion County had 109 active NFIP flood policies as of September 2026. See the full Marion 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 | $309,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Marion County | 109 |
| 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)