Home Insurance in Adamsville, Tennessee
The median home value in Adamsville is $148,600, 8% lower than the McNairy County median.
The typical home in Adamsville was built around 1978. About 20% of homes were built before 1960, about 6 points above McNairy County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Adamsville is 72% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Adamsville, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Adamsville has an owner-occupancy rate of 67% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Adamsville, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Adamsville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in McNairy County and McNairy County had 17 active NFIP flood policies as of September 2026. See the full McNairy County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $148,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in McNairy County | 17 |
| 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)