Home Insurance in Obion County, Tennessee
The median home value in Obion County is $133,600, 53% lower than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Obion County was built around 1975. About 27% of homes were built before 1960, about 9 points above Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Obion County is 77% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Obion County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Obion County has an owner-occupancy rate of 68% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
55% of homes in Obion County 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.
The top hazards for Obion County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Obion County has 117 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $133,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 117 |
| 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)