Home Insurance in McMinnville, Tennessee
Homes in McMinnville carry a median value of $182,200 - 6% lower than the Warren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McMinnville was built around 1973. About 27% of homes were built before 1960, about 10 points above Warren County's 17%.
Housing in McMinnville breaks down to 68% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in McMinnville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 50% of occupied homes in McMinnville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In McMinnville, 68% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McMinnville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Warren County and Warren County had 36 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $182,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Warren County | 36 |
| 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)