Home Insurance in Dunlap, Tennessee
The median home value in Dunlap is $192,100, 17% lower than the Sequatchie County median.
The typical home in Dunlap was built around 1983. About 21% of homes were built before 1960, about 7 points above Sequatchie County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dunlap is 67% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 34% of owner-occupied homes in Dunlap have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dunlap has an owner-occupancy rate of 62% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dunlap - 59% - are primarily heated with electricity.
What's the biggest home insurance risk near Dunlap? FEMA's National Risk Index points to earthquake (Very Low) in Sequatchie County and Sequatchie County had 42 active NFIP flood policies as of September 2026. See the full Sequatchie 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 | $192,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Sequatchie County | 42 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Nearby towns
- Palmer
- Powells Crossroads
- Gruetli-Laager
- Whitwell
- Soddy-Daisy
- Walden
- Signal Mountain
- Beersheba Springs
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)