Home Insurance in Sevierville, Tennessee
The median home value in Sevierville is $289,600, close to the Sevier County median.
The typical home in Sevierville was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, in line with Sevier County (7%).
The housing stock in Sevierville is 49% single-family homes, 34% apartments in buildings with 5+ units and 6% 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.
About 55% of owner-occupied homes in Sevierville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sevierville has an owner-occupancy rate of 51% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Sevierville - 80% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $289,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)