Home Insurance in Sevier County, Tennessee
Homes in Sevier County carry a median value of $299,000 - close to the Tennessee median.
The typical home in Sevier County was built around 1995. About 7% of homes were built before 1960, about 10 points below Tennessee's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sevier County is 70% single-family homes, 13% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sevier County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sevier County has an owner-occupancy rate of 71% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Sevier County, 78% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), inland flooding (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Sevier County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sevier County has 1,203 active NFIP flood policies on file.
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 | $299,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,203 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)