Home Insurance in Jonesborough, Tennessee
With a median home value of $299,200, Jonesborough is 20% higher than the Washington County median.
The typical home in Jonesborough was built around 1986. About 21% of homes were built before 1960, about 1 point above Washington County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jonesborough is 73% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Jonesborough, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Jonesborough are owner-occupied.
Most homes in Jonesborough - 83% - 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.
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 | $299,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)