Home Insurance in Van Buren County, Tennessee
With a median home value of $159,200, Van Buren County is 44% lower than the Tennessee median.
The typical home in Van Buren County was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, in line with Tennessee (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Van Buren County is 76% single-family homes and 21% mobile or manufactured homes.
38% of owner-occupied homes in Van Buren County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Van Buren County has an owner-occupancy rate of 86% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
57% of homes in Van Buren County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Very Low), earthquake (Very Low) and tornado (Relatively Low) as the leading hazards for Van Buren County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Van Buren County has 16 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $159,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 16 |
| 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)