Home Insurance in Kingston, Tennessee
The median home value in Kingston is $220,000, 6% lower than the Roane County median.
The typical home in Kingston was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 8 points above Roane County's 23%.
The housing stock in Kingston is 83% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 55% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Kingston are owner-occupied.
65% of homes in Kingston are primarily heated with electricity.
Roane County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $220,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)