Home Insurance in Overton County, Tennessee
With a median home value of $173,200, Overton County is 40% lower than the Tennessee median.
The typical home in Overton County was built around 1983. About 19% of homes were built before 1960, about 2 points above Tennessee's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Overton County is 77% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
39% of owner-occupied homes in Overton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Overton County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Overton County, 72% of homes are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Relatively Low), earthquake (Very Low) and tornado (Relatively Low) as the leading hazards for Overton County. 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, Overton County has 19 active NFIP flood policies on file.
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 | $173,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 19 |
| 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)