Home Insurance in Chapel Hill, Tennessee
Homes in Chapel Hill carry a median value of $311,100 - 11% higher than the Marshall County median.
The typical home in Chapel Hill was built around 1995. About 12% of homes were built before 1960, about 6 points below Marshall County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chapel Hill is 88% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Chapel Hill, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Chapel Hill are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chapel Hill, 72% of homes are primarily heated with electricity.
Marshall County had 117 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Marshall 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 | $311,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Marshall County | 117 |
| 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)