Home Insurance in Ducktown, Tennessee
The median home value in Ducktown is $172,100, close to the Polk County median.
The typical home in Ducktown was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 25 points above Polk County's 15%.
The housing stock in Ducktown is 64% single-family homes, 35% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Ducktown, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 52% of occupied homes in Ducktown are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ducktown - 86% - 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.
Polk County had 59 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $172,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Polk County | 59 |
| 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)