Home Insurance in Ramer, Tennessee
The median home value in Ramer is $176,400, 9% higher than the McNairy County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ramer was built around 1979. About 19% of homes were built before 1960, about 4 points above McNairy County's 15%.
In Ramer, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Ramer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Ramer are owner-occupied.
Most homes in Ramer - 62% - 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.
McNairy County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $176,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)