HomeInsuranceQts

Home Insurance in Milledgeville, Tennessee

With a median home value of $126,600, Milledgeville is 22% lower than the McNairy County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Milledgeville was built around 1969. About 35% of homes were built before 1960, about 20 points above 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 Milledgeville is 83% single-family homes and 16% mobile or manufactured homes.

In Milledgeville, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Milledgeville are owner-occupied.

54% of homes in Milledgeville are primarily heated with electricity.

FEMA rates McNairy County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.

Key figures

Median home value$126,600
Median year built1969
Owner-occupied share81%
Share of owner-occupied homes with a mortgage53%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in McNairy County17
Home insurance premium$1,649 - statewide average (NAIC, 2023 data)
Key home insurance figures for Milledgeville, TN

Nearby towns

Sources

Data last updated: 2026-09-29