Home Insurance in Tipton County, Tennessee
The median home value in Tipton County is $240,600, 16% lower than the Tennessee median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tipton County was built around 1993. About 13% of homes were built before 1960, about 5 points below Tennessee's 18%.
The housing stock in Tipton County is 82% single-family homes, 3% 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.
61% of owner-occupied homes in Tipton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Tipton County are owner-occupied.
Most homes in Tipton County - 57% - are primarily heated with natural gas.
The top hazards for Tipton County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), tornado (Relatively High) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Tipton County has 156 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $240,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively High), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 156 |
| 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)