Home Insurance in Meigs County, Tennessee
The median home value in Meigs County is $180,000, 37% lower than the Tennessee median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Meigs County was built around 1994. About 8% of homes were built before 1960, about 10 points below Tennessee's 18%.
In Meigs County, the housing stock is 62% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Meigs County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Meigs County has an owner-occupancy rate of 81% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Meigs County - 81% - 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.
Per FEMA's National Risk Index, Meigs County's top hazards are earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Meigs County has 4 active NFIP flood policies on file.
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 | $180,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)