Home Insurance in Erwin, Tennessee
Homes in Erwin carry a median value of $180,900 - close to the Unicoi County median.
The typical home in Erwin was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 18 points above Unicoi County's 26%.
The housing stock in Erwin is 71% single-family homes, 10% apartments in buildings with 5+ units and 9% 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 53% of owner-occupied homes in Erwin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Erwin are owner-occupied.
Most homes in Erwin - 58% - are primarily heated with electricity.
FEMA rates Unicoi County's overall risk as Very Low, led by earthquake (Very Low). Unicoi County had 128 active NFIP flood policies as of September 2026. See the full Unicoi County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $180,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Unicoi County | 128 |
| 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)