Home Insurance in Pittman Center, Tennessee
The median home value in Pittman Center is $432,000, 44% higher than the Sevier County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pittman Center was built around 1981. About 12% of homes were built before 1960, about 4 points above Sevier County's 7%.
Housing in Pittman Center breaks down to 77% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 34% of owner-occupied homes in Pittman Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 60%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Pittman Center are owner-occupied.
Most homes in Pittman Center - 83% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Sevier County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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 | $432,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| 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)