Home Insurance in McMinn County, Tennessee
With a median home value of $211,800, McMinn County is 26% lower than the Tennessee median.
The typical home in McMinn County was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 5 points above Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McMinn County is 74% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In McMinn County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McMinn County has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in McMinn County - 67% - are primarily heated with electricity.
The top hazards for McMinn County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, McMinn County has 35 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $211,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 35 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)