Home Insurance in Moore County, Tennessee
Homes in Moore County carry a median value of $285,300 - close to the Tennessee median.
The typical home in Moore County was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 4 points below Tennessee's 18%.
The housing stock in Moore County is 83% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Moore County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Moore County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 71% of homes in Moore County are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Low), earthquake (Very Low) and hurricane (Very Low) as the leading hazards for Moore County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Moore County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $285,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Very Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 6 |
| 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)