Home Insurance in Viola, Tennessee
With a median home value of $262,500, Viola is 36% higher than the Warren County median.
The typical home in Viola was built around 1970. About 42% of homes were built before 1960, about 25 points above Warren County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Viola, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Viola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Viola are owner-occupied.
In Viola, 60% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Warren County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $262,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 95% |
| 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)