Home Insurance in Orme, Tennessee
Homes in Orme carry a median value of $53,300 - 73% lower than the Marion County median.
The typical home in Orme was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 2 points above Marion County's 14%.
The housing stock in Orme is 42% single-family homes and 58% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
6% of owner-occupied homes in Orme carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Orme has an owner-occupancy rate of 95% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 71% of homes in Orme are primarily heated with electricity.
What's the biggest home insurance risk near Orme? 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 | $53,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)