Home Insurance in Obion, Tennessee
The median home value in Obion is $97,900, 27% lower than the Obion County median.
The typical home in Obion was built around 1972. About 33% of homes were built before 1960, about 7 points above Obion County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Obion, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Obion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Obion are owner-occupied.
54% of homes in Obion are primarily heated with natural gas.
FEMA rates Obion County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Obion County had 117 active NFIP flood policies as of September 2026. See the full Obion County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $97,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Obion County | 117 |
| 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)