Home Insurance in Rockwood, Tennessee
Homes in Rockwood carry a median value of $128,700 - 45% lower than the Roane County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rockwood was built around 1968. About 40% of homes were built before 1960, about 17 points above Roane County's 23%.
The housing stock in Rockwood is 69% single-family homes, 18% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Rockwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rockwood has an owner-occupancy rate of 53% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Rockwood - 54% - 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 | $128,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)