Home Insurance in Union County, Tennessee
The median home value in Union County is $204,000, 29% lower than the Tennessee median.
The typical home in Union County was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 4 points below Tennessee's 18%.
In Union County, the housing stock is 74% single-family homes, 3% 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.
About 52% of owner-occupied homes in Union County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Union County has an owner-occupancy rate of 80% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Union County - 88% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Union County's top hazards are earthquake (Relatively Low), wildfire (Very Low) and strong wind (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Union County has 10 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 | $204,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Wildfire (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| 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)