Home Insurance in Unicoi, Tennessee
With a median home value of $244,300, Unicoi is 29% higher than the Unicoi County median.
The typical home in Unicoi was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 13 points below Unicoi County's 26%.
In Unicoi, the housing stock is 61% single-family homes, 12% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Unicoi, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Unicoi has an owner-occupancy rate of 58% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Unicoi, 64% of homes are primarily heated with electricity.
Unicoi County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. 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.
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 | $244,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)