Home Insurance in Huntsville, Tennessee
With a median home value of $201,100, Huntsville is 61% higher than the Scott County median.
The typical home in Huntsville was built around 1985. About 13% of homes were built before 1960, about 3 points above Scott County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Huntsville, the housing stock is 51% single-family homes, 2% apartments in buildings with 5+ units and 18% 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.
39% of owner-occupied homes in Huntsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 27% of occupied homes in Huntsville are owner-occupied.
In Huntsville, 57% of homes are primarily heated with natural gas.
Scott County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Scott County had 32 active NFIP flood policies as of September 2026. See the full Scott 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 | $201,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Scott County | 32 |
| 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)