Home Insurance in Pigeon Forge, Tennessee
The median home value in Pigeon Forge is $291,800, close to the Sevier County median.
The typical home in Pigeon Forge was built around 1995. About 7% of homes were built before 1960, in line with Sevier County (7%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pigeon Forge is 47% single-family homes, 29% apartments in buildings with 5+ units and 11% 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.
34% of owner-occupied homes in Pigeon Forge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pigeon Forge has an owner-occupancy rate of 46% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
74% of homes in Pigeon Forge are primarily heated with electricity.
Sevier County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Sevier County had 1,203 active NFIP flood policies as of September 2026. See the full Sevier 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 | $291,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Sevier County | 1,203 |
| 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)