Home Insurance in Maynardville, Tennessee
The median home value in Maynardville is $205,400, close to the Union County median.
The typical home in Maynardville was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 2 points below Union County's 14%.
In Maynardville, the housing stock is 52% single-family homes, 24% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Maynardville, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Maynardville has an owner-occupancy rate of 60% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Maynardville - 98% - are primarily heated with electricity.
What's the biggest home insurance risk near Maynardville? FEMA's National Risk Index points to earthquake (Relatively Low) in Union County and Union County had 10 active NFIP flood policies as of September 2026. See the full Union 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 | $205,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Union County | 10 |
| 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)