Home Insurance in Doyle, Tennessee
Homes in Doyle carry a median value of $164,300 - 21% lower than the White County median.
The typical home in Doyle was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 6 points above White County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Doyle is 85% single-family homes and 12% mobile or manufactured homes.
52% of owner-occupied homes in Doyle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Doyle has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Doyle, 50% of homes are primarily heated with natural gas.
White County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. White County had 12 active NFIP flood policies as of September 2026. See the full White 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 | $164,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in White County | 12 |
| 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)