Home insurance costs & natural hazards in Tennessee
Plain facts for Tennessee homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Tennessee at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Tennessee pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Tennessee ZIP code saw homeowners premiums of $1,677 per policy in 2022, 8% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 2% between 2018 and 2022. The figures come from 552 Tennessee ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 16,658 single-family NFIP policies took effect in Tennessee in 2025, at an average full cost of $1,188, compared with $944 in 2022. About 55% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Tennessee's 95 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, strong wind and ice storm. Open any county for its full hazard profile.
Hazards across Tennessee's counties
Tennessee counties
All 95 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Anderson County | $1,500 | $1,141 | Relatively Low |
| Bedford County | $1,932 | $1,194 | Relatively Low |
| Benton County | $1,738 | $766 | Very Low |
| Bledsoe County | $1,567 | — | Very Low |
| Blount County | $1,546 | $1,367 | Relatively Low |
| Bradley County | $1,594 | $1,226 | Relatively Low |
| Campbell County | $1,464 | $1,066 | Relatively Low |
| Cannon County | $1,703 | $1,717 | Very Low |
| Carroll County | $1,734 | — | Relatively Low |
| Carter County | $1,261 | $1,491 | Relatively Low |
| Cheatham County | $1,780 | $1,542 | Relatively Low |
| Chester County | $1,642 | $1,208 | Relatively Low |
| Claiborne County | $1,496 | $1,132 | Relatively Low |
| Clay County | $1,401 | $1,143 | Very Low |
| Cocke County | $1,485 | $1,590 | Relatively Low |
| Coffee County | $1,693 | $1,144 | Relatively Low |
| Crockett County | $1,772 | — | Relatively Low |
| Cumberland County | $1,497 | $795 | Relatively Low |
| Davidson County | $1,760 | $1,303 | Relatively High |
| DeKalb County | $1,689 | $1,409 | Very Low |
| Decatur County | $1,662 | $1,061 | Very Low |
| Dickson County | $1,818 | $1,258 | Relatively Low |
| Dyer County | $2,003 | $692 | Relatively Moderate |
| Fayette County | $2,133 | $865 | Relatively Low |
| Fentress County | $1,398 | — | Very Low |
| Franklin County | $1,817 | $1,442 | Relatively Low |
| Gibson County | $1,852 | $781 | Relatively Moderate |
| Giles County | $1,665 | $1,105 | Relatively Low |
| Grainger County | $1,438 | $1,182 | Very Low |
| Greene County | $1,282 | $1,061 | Relatively Low |
| Grundy County | $1,731 | $1,796 | Very Low |
| Hamblen County | $1,362 | $871 | Relatively Low |
| Hamilton County | $1,631 | $1,161 | Relatively Moderate |
| Hancock County | $1,386 | $1,176 | Very Low |
| Hardeman County | $1,928 | — | Relatively Low |
| Hardin County | $1,652 | $1,046 | Relatively Low |
| Hawkins County | $1,319 | $1,144 | Relatively Low |
| Haywood County | $1,833 | $901 | Relatively Low |
| Henderson County | $1,637 | $1,019 | Relatively Low |
| Henry County | $1,776 | $976 | Relatively Moderate |
| Hickman County | $1,726 | $1,754 | Relatively Low |
| Houston County | $1,687 | $1,966 | Very Low |
| Humphreys County | $1,671 | $1,815 | Relatively Low |
| Jackson County | $1,564 | $1,820 | Very Low |
| Jefferson County | $1,366 | $975 | Relatively Low |
| Johnson County | $1,484 | $1,452 | Very Low |
| Knox County | $1,390 | $951 | Relatively Moderate |
| Lake County | $1,881 | $814 | Relatively Low |
| Lauderdale County | $1,737 | $816 | Relatively Low |
| Lawrence County | $1,579 | $1,392 | Relatively Low |
| Lewis County | $1,799 | $1,562 | Very Low |
| Lincoln County | $1,761 | $1,145 | Relatively Low |
| Loudon County | $1,595 | $1,058 | Relatively Low |
| Macon County | $1,582 | $1,624 | Very Low |
| Madison County | $1,830 | $889 | Relatively Moderate |
| Marion County | $1,823 | $1,501 | Relatively Low |
| Marshall County | $1,600 | $1,411 | Relatively Low |
| Maury County | $1,745 | $1,289 | Relatively Low |
| McMinn County | $1,558 | $1,390 | Relatively Low |
| McNairy County | $1,724 | $865 | Relatively Low |
| Meigs County | $1,721 | — | Very Low |
| Monroe County | $1,515 | $1,412 | Relatively Low |
| Montgomery County | $1,761 | $1,052 | Relatively Moderate |
| Moore County | $2,003 | — | Very Low |
| Morgan County | $1,616 | — | Very Low |
| Obion County | $1,881 | $862 | Relatively Moderate |
| Overton County | $1,625 | — | Very Low |
| Perry County | $1,524 | $1,257 | Very Low |
| Pickett County | $1,618 | — | Very Low |
| Polk County | $1,719 | $1,838 | Very Low |
| Putnam County | $1,616 | $1,391 | Relatively Low |
| Rhea County | $1,638 | $1,232 | Relatively Low |
| Roane County | $1,622 | $1,061 | Relatively Low |
| Robertson County | $1,708 | $1,114 | Relatively Low |
| Rutherford County | $1,883 | $1,194 | Relatively Moderate |
| Scott County | $1,507 | — | Very Low |
| Sequatchie County | $1,724 | $1,460 | Very Low |
| Sevier County | $1,578 | $1,544 | Relatively Low |
| Shelby County | $2,118 | $881 | Relatively High |
| Smith County | $1,862 | $1,459 | Very Low |
| Stewart County | $1,722 | $1,004 | Very Low |
| Sullivan County | $1,262 | $979 | Relatively Low |
| Sumner County | $1,719 | $1,281 | Relatively Moderate |
| Tipton County | $1,831 | $990 | Relatively Moderate |
| Trousdale County | $1,733 | $1,273 | Very Low |
| Unicoi County | $1,335 | $847 | Very Low |
| Union County | $1,450 | — | Very Low |
| Van Buren County | $1,600 | $1,870 | Very Low |
| Warren County | $1,667 | $2,020 | Relatively Low |
| Washington County | $1,265 | $968 | Relatively Low |
| Wayne County | $1,460 | $1,454 | Relatively Low |
| Weakley County | $1,672 | $1,006 | Relatively Low |
| White County | $1,575 | $989 | Very Low |
| Williamson County | $2,443 | $1,295 | Relatively Moderate |
| Wilson County | $1,758 | $1,222 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Tennessee homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.