Home Insurance in Johnson City, Tennessee
The median home value in Johnson City is $268,200, 8% higher than the Washington County median.
The typical home in Johnson City was built around 1983. About 23% of homes were built before 1960, about 3 points above Washington County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Johnson City is 58% single-family homes, 26% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Johnson City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Johnson City has an owner-occupancy rate of 51% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Johnson City, 74% of homes are primarily heated with electricity.
Washington County had 289 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $268,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Washington County | 289 |
| 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)