Home Insurance in Washington County, Tennessee
With a median home value of $249,000, Washington County is 13% lower than the Tennessee median.
The typical home in Washington County was built around 1985. About 20% of homes were built before 1960, about 3 points above Tennessee's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Washington County is 68% single-family homes, 16% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Washington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Washington County has an owner-occupancy rate of 65% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Washington County, 81% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), earthquake (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Washington County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Washington County had 289 active National Flood Insurance Program policies as of September 2026. 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 | $249,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 289 |
| 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)