Home Insurance in South Pittsburg, Tennessee
With a median home value of $187,100, South Pittsburg is close to the Marion County median.
The typical home in South Pittsburg was built around 1974. About 29% of homes were built before 1960, about 15 points above Marion County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Pittsburg is 81% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 52% of owner-occupied homes in South Pittsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Pittsburg has an owner-occupancy rate of 66% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In South Pittsburg, 52% of homes are primarily heated with electricity.
Marion County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $187,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)