Home Insurance in Calhoun, Tennessee
Homes in Calhoun carry a median value of $179,700 - 15% lower than the McMinn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Calhoun was built around 1957. About 65% of homes were built before 1960, about 43 points above McMinn County's 22%.
The housing stock in Calhoun is 85% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Calhoun have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Calhoun are owner-occupied.
Most homes in Calhoun - 85% - are primarily heated with electricity.
McMinn County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full McMinn County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $179,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in McMinn County | 35 |
| 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)