Home Insurance in Harriman, Tennessee
Homes in Harriman carry a median value of $153,200 - 34% lower than the Roane County median.
The typical home in Harriman was built around 1960. About 50% of homes were built before 1960, about 27 points above Roane County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Harriman, the housing stock is 75% single-family homes, 7% 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.
54% of owner-occupied homes in Harriman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Harriman are owner-occupied.
In Harriman, 55% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Harriman? FEMA's National Risk Index points to earthquake (Relatively Low) in Roane County and Roane County had 113 active NFIP flood policies as of September 2026. See the full Roane 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 | $153,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Roane County | 113 |
| 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)