Home Insurance in Roane County, Tennessee
Homes in Roane County carry a median value of $232,900 - 19% lower than the Tennessee median.
The typical home in Roane County was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 5 points above Tennessee's 18%.
The housing stock in Roane County is 79% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roane County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roane County has an owner-occupancy rate of 78% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Roane County - 62% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Roane 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, Roane County has 113 active NFIP flood policies on file.
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 | $232,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 113 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
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)