Home Insurance in Stantonville, Tennessee
The typical home in Stantonville was built around 1982. About 12% of homes were built before 1960, about 3 points below McNairy County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Stantonville, the housing stock is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Stantonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stantonville has an owner-occupancy rate of 88% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Stantonville, 51% of homes 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 had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 year built | 1982 |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)