Home Insurance in Winfield, Tennessee
With a median home value of $100,700, Winfield is 19% lower than the Scott County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Winfield was built around 1992. About 8% of homes were built before 1960, about 2 points below Scott County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winfield is 56% single-family homes and 38% mobile or manufactured homes.
In Winfield, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Winfield are owner-occupied.
59% of homes in Winfield are primarily heated with natural gas.
Scott County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Scott County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $100,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)