Home Insurance in Whitwell, Tennessee
The median home value in Whitwell is $140,500, 28% lower than the Marion County median.
The typical home in Whitwell was built around 1975. About 24% of homes were built before 1960, about 10 points above Marion County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Whitwell is 79% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Whitwell, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Whitwell has an owner-occupancy rate of 72% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Whitwell - 67% - are primarily heated with electricity.
What's the biggest home insurance risk near Whitwell? 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.
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 | $140,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| 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)