Home Insurance in Warren County, Tennessee
The median home value in Warren County is $192,900, 33% lower than the Tennessee median.
The typical home in Warren County was built around 1979. About 17% of homes were built before 1960, in line with Tennessee (18%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Warren County is 74% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Warren County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warren County has an owner-occupancy rate of 72% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Warren County, 70% of homes are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), earthquake (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Warren County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Warren County has 36 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 | $192,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 36 |
| 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)