Home Insurance in Finger, Tennessee
With a median home value of $99,700, Finger is 38% lower than the McNairy County median.
The typical home in Finger was built around 1973. About 30% of homes were built before 1960, about 15 points above McNairy County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Finger is 82% single-family homes and 18% mobile or manufactured homes.
55% of owner-occupied homes in Finger carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Finger has an owner-occupancy rate of 82% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
53% of homes in Finger are primarily heated with natural gas.
What's the biggest home insurance risk near Finger? 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 | $99,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)