Home Insurance in Guys, Tennessee
With a median home value of $158,800, Guys is close to the McNairy County median.
The typical home in Guys was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 8 points below McNairy County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Guys is 74% single-family homes and 26% mobile or manufactured homes.
About 41% of owner-occupied homes in Guys have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Guys has an owner-occupancy rate of 81% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Guys - 79% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Guys? 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.
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 | $158,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)