Home Insurance in Byrdstown, Tennessee
Homes in Byrdstown carry a median value of $163,400 - 8% lower than the Pickett County median.
The typical home in Byrdstown was built around 1978. About 24% of homes were built before 1960, about 13 points above Pickett County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Byrdstown is 62% single-family homes, 20% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Byrdstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Byrdstown are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Byrdstown, 85% of homes are primarily heated with electricity.
FEMA rates Pickett County's overall risk as Very Low, led by winter weather (Relatively Low). Pickett County had 5 active NFIP flood policies as of September 2026. See the full Pickett County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Pickett County | 5 |
| 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)