Tennessee
Home insurance overview — 552 ZIP codes, 359 cities
Avg Premium (2025 Est.)
$1,926
+11.4% from 2022
Nonrenewal Rate
1.33%
5yr Storm Damage
$2.4B
Tennessee Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Trimble | 1 | $2,226 | 84 | Extreme |
| Hickory Valley | 1 | $2,640 | 77 | High |
| Vanleer | 1 | $2,253 | 75 | High |
| South Carthage | 1 | $1,985 | 73 | High |
| Carthage | 3 | $2,219 | 73 | High |
| Cottage Grove | 1 | $1,959 | 71 | High |
| Forest Hills | 1 | $4,392 | 69 | High |
| Grand Junction | 1 | $2,297 | 69 | High |
| Greenvale | 3 | $2,321 | 69 | High |
| Morris Chapel | 1 | $1,914 | 69 | High |
| Gordonsville | 1 | $1,841 | 69 | High |
| Tennessee Ridge | 2 | $2,062 | 69 | High |
| Saulsbury | 1 | $2,201 | 69 | High |
| Pelham | 1 | $2,037 | 68 | High |
| Lebanon | 2 | $1,956 | 68 | High |
| Guys | 2 | $2,076 | 68 | High |
| Auburntown | 1 | $2,301 | 67 | High |
| Randolph | 1 | $2,049 | 67 | High |
| Memphis | 25 | $2,377 | 67 | High |
| Rockvale | 1 | $2,205 | 67 | High |
| Altamont | 1 | $2,156 | 67 | High |
| Big Rock | 2 | $1,943 | 67 | High |
| Alexandria | 1 | $1,908 | 67 | High |
| Trezevant | 1 | $2,169 | 66 | High |
| Mount Juliet | 1 | $2,122 | 66 | High |
| Coalmont | 1 | $1,925 | 66 | High |
| Mount Pleasant | 2 | $2,257 | 66 | High |
| Nashville-Davidson metropolitan government (balance) | 22 | $2,130 | 66 | High |
| Atoka | 1 | $2,090 | 66 | High |
| Covington | 1 | $2,048 | 66 | High |
| Gates | 1 | $2,024 | 66 | High |
| Middleton | 1 | $2,075 | 66 | High |
| Charlotte | 1 | $2,151 | 66 | High |
| Cumberland City | 3 | $1,998 | 66 | High |
| Walterhill | 1 | $2,339 | 65 | High |
| Sardis | 1 | $1,924 | 65 | High |
| Michie | 1 | $1,864 | 65 | High |
| Slayden | 3 | $2,106 | 65 | High |
| Obion | 1 | $2,113 | 65 | High |
| Puryear | 1 | $1,985 | 65 | High |
| Hickman | 3 | $2,057 | 65 | High |
| Westpoint | 1 | $1,806 | 65 | High |
| Arlington | 1 | $4,164 | 65 | High |
| Tiptonville | 1 | $2,037 | 65 | High |
| New Johnsonville | 1 | $1,828 | 64 | High |
| Savannah | 1 | $2,156 | 64 | High |
| Oak Hill | 1 | $3,344 | 64 | High |
| South Fulton | 1 | $2,056 | 64 | High |
| Gilt Edge | 1 | $1,867 | 64 | High |
| Counce | 1 | $2,477 | 64 | High |
| Hornbeak | 1 | $1,995 | 64 | High |
| Baxter | 2 | $2,058 | 64 | High |
| Tullahoma | 1 | $2,335 | 63 | High |
| Christiana | 1 | $1,994 | 63 | High |
| Monteagle | 1 | $2,597 | 63 | High |
| Prospect | 1 | $1,801 | 63 | High |
| Bogota | 1 | $2,108 | 63 | High |
| Stantonville | 1 | $1,927 | 63 | High |
| Lavinia | 1 | $2,059 | 63 | High |
| Hartsville/Trousdale County | 3 | $1,926 | 63 | High |
| Williston | 1 | $2,590 | 63 | High |
| Sale Creek | 2 | $1,809 | 63 | High |
| Atwood | 1 | $1,868 | 62 | High |
| Toone | 1 | $2,111 | 62 | High |
| Cedar Hill | 1 | $2,157 | 62 | High |
| Crump | 2 | $1,820 | 62 | High |
| McEwen | 1 | $1,791 | 62 | High |
| Cowan | 1 | $1,848 | 62 | High |
| Oakdale | 1 | $1,913 | 62 | High |
| Decaturville | 2 | $2,077 | 62 | High |
| Liberty | 1 | $2,046 | 62 | High |
| Piperton | 1 | $2,746 | 62 | High |
| Germantown | 2 | $3,590 | 62 | High |
| Mercer | 2 | $2,194 | 62 | High |
| Townsend | 1 | $1,916 | 61 | High |
| Brentwood | 1 | $3,611 | 61 | High |
| Bolivar | 1 | $2,072 | 61 | High |
| Brighton | 1 | $2,005 | 61 | High |
| Troy | 1 | $2,050 | 61 | High |
| Braden | 1 | $2,067 | 61 | High |
| Walland | 1 | $2,799 | 61 | High |
| Rives | 1 | $2,549 | 61 | High |
| Eagleville | 2 | $2,782 | 61 | High |
| Greenbrier | 1 | $1,889 | 61 | High |
| Blanche | 1 | $1,969 | 61 | High |
| Moscow | 1 | $2,338 | 61 | High |
| Bells | 1 | $2,033 | 61 | High |
| Dresden | 1 | $1,961 | 61 | High |
| Parker's Crossroads | 2 | $1,807 | 61 | High |
| Medon | 1 | $1,994 | 61 | High |
| Millington | 1 | $2,115 | 60 | Elevated |
| Selmer | 1 | $1,873 | 60 | Elevated |
| Gatlinburg | 1 | $2,029 | 60 | Elevated |
| Jackson | 3 | $2,098 | 60 | Elevated |
| Rockwood | 1 | $1,845 | 60 | Elevated |
| Newbern | 1 | $2,084 | 60 | Elevated |
| Dancyville | 1 | $1,968 | 60 | Elevated |
| Beech Bluff | 1 | $2,053 | 60 | Elevated |
| Bartlett | 2 | $2,221 | 60 | Elevated |
| Dover | 1 | $1,858 | 60 | Elevated |
| St. Joseph | 1 | $1,543 | 60 | Elevated |
| Lakeland | 1 | $2,625 | 60 | Elevated |
| Finger | 1 | $1,938 | 59 | Elevated |
| Milan | 1 | $2,063 | 59 | Elevated |
| Minor Hill | 2 | $1,788 | 59 | Elevated |
| Munford | 1 | $1,980 | 59 | Elevated |
| Franklin | 3 | $3,064 | 59 | Elevated |
| Mooresburg | 1 | $1,767 | 59 | Elevated |
| Woodbury | 1 | $1,838 | 59 | Elevated |
| Somerville | 1 | $2,248 | 59 | Elevated |
| Waverly | 1 | $1,923 | 59 | Elevated |
| Whiteville | 1 | $1,911 | 59 | Elevated |
| Red Boiling Springs | 1 | $1,837 | 59 | Elevated |
| Centerville | 2 | $2,030 | 59 | Elevated |
| Lewisburg | 3 | $1,842 | 59 | Elevated |
| Union City | 1 | $2,020 | 59 | Elevated |
| Big Sandy | 2 | $1,872 | 59 | Elevated |
| Cross Plains | 1 | $1,977 | 59 | Elevated |
| Gainesboro | 4 | $1,782 | 59 | Elevated |
| Saltillo | 1 | $1,849 | 59 | Elevated |
| Westmoreland | 1 | $1,752 | 59 | Elevated |
| Pinson | 1 | $2,018 | 59 | Elevated |
| Dowelltown | 1 | $1,691 | 59 | Elevated |
| Pigeon Forge | 1 | $1,787 | 58 | Elevated |
| Gruetli-Laager | 1 | $1,861 | 58 | Elevated |
| Murfreesboro | 4 | $2,080 | 58 | Elevated |
| Cumberland Gap | 1 | $1,681 | 58 | Elevated |
| Beersheba Springs | 1 | $2,139 | 58 | Elevated |
| Martin | 1 | $2,030 | 58 | Elevated |
| Summertown | 2 | $2,024 | 58 | Elevated |
| Rutherford | 1 | $1,919 | 58 | Elevated |
| Doyle | 4 | $1,819 | 58 | Elevated |
| La Vergne | 1 | $1,808 | 58 | Elevated |
| Kingston Springs | 1 | $2,348 | 58 | Elevated |
| Coopertown | 2 | $1,868 | 57 | Elevated |
| Crab Orchard | 1 | $1,602 | 57 | Elevated |
| Scotts Hill | 2 | $1,836 | 57 | Elevated |
| Jacksboro | 1 | $1,570 | 57 | Elevated |
| Smyrna | 2 | $2,397 | 57 | Elevated |
| Bradford | 1 | $1,946 | 57 | Elevated |
| Adams | 1 | $2,381 | 57 | Elevated |
| Dyer | 1 | $2,060 | 57 | Elevated |
| Paris | 1 | $1,963 | 57 | Elevated |
| Mosheim | 4 | $1,598 | 57 | Elevated |
| Calhoun | 1 | $1,844 | 57 | Elevated |
| Chattanooga | 15 | $1,886 | 57 | Elevated |
| Eva | 1 | $2,072 | 57 | Elevated |
| Vonore | 1 | $2,223 | 57 | Elevated |
| Lafayette | 1 | $1,762 | 57 | Elevated |
| Fairview | 2 | $1,982 | 57 | Elevated |
| La Follette | 1 | $1,736 | 57 | Elevated |
| Hollow Rock | 2 | $1,829 | 56 | Elevated |
| Kenton | 1 | $1,901 | 56 | Elevated |
| Huntsville | 1 | $1,656 | 56 | Elevated |
| Unicoi | 1 | $1,461 | 56 | Elevated |
| Butler | 1 | $1,849 | 56 | Elevated |
| Collierville | 1 | $3,048 | 56 | Elevated |
| Sunbright | 2 | $1,667 | 56 | Elevated |
| Buchanan | 1 | $1,931 | 56 | Elevated |
| Thompson's Station | 1 | $2,395 | 56 | Elevated |
| Russellville | 2 | $1,565 | 56 | Elevated |
| Holladay | 2 | $1,799 | 56 | Elevated |
| Lobelville | 2 | $2,095 | 56 | Elevated |
| Lookout Mountain | 1 | $4,607 | 56 | Elevated |
| Lynnville | 1 | $2,234 | 56 | Elevated |
| Huron | 1 | $1,815 | 56 | Elevated |
| Sequatchie | 1 | $1,991 | 56 | Elevated |
| Pleasant View | 1 | $2,014 | 56 | Elevated |
| Camden | 1 | $1,886 | 56 | Elevated |
| Trenton | 1 | $2,083 | 56 | Elevated |
| Apison | 1 | $1,857 | 55 | Elevated |
| Spencer | 1 | $1,835 | 55 | Elevated |
| Sweetwater | 1 | $1,653 | 55 | Elevated |
| Louisville | 1 | $2,122 | 55 | Elevated |
| Bell Buckle | 1 | $2,167 | 55 | Elevated |
| Morrison | 1 | $1,888 | 55 | Elevated |
| New Hope | 1 | $2,034 | 55 | Elevated |
| Portland | 1 | $1,758 | 55 | Elevated |
| Gallatin | 1 | $2,014 | 55 | Elevated |
| Signal Mountain | 1 | $2,453 | 55 | Elevated |
| Graysville | 1 | $1,637 | 55 | Elevated |
| Huntland | 1 | $1,853 | 55 | Elevated |
| Jasper | 1 | $1,910 | 55 | Elevated |
| Robbins | 1 | $1,637 | 55 | Elevated |
| Roan Mountain | 1 | $1,460 | 54 | Elevated |
| Hillsboro | 1 | $1,939 | 54 | Elevated |
| Henry | 1 | $1,921 | 54 | Elevated |
| Bruceton | 1 | $2,066 | 54 | Elevated |
| White Bluff | 1 | $1,863 | 54 | Elevated |
| Orlinda | 1 | $1,878 | 54 | Elevated |
| Clifton | 2 | $1,798 | 54 | Elevated |
| Loretto | 1 | $1,697 | 54 | Elevated |
| Dyersburg | 1 | $2,274 | 54 | Elevated |
| Hendersonville | 1 | $2,108 | 54 | Elevated |
| Clarksville | 4 | $1,901 | 54 | Elevated |
| Monterey | 1 | $1,819 | 54 | Elevated |
| Byrdstown | 2 | $1,820 | 54 | Elevated |
| Sharon | 1 | $1,844 | 54 | Elevated |
| Bon Aqua Junction | 4 | $2,152 | 54 | Elevated |
| Columbia | 1 | $1,834 | 54 | Elevated |
| Waynesboro | 1 | $1,468 | 54 | Elevated |
| Essary Springs | 1 | $1,782 | 53 | Elevated |
| Bulls Gap | 1 | $1,468 | 53 | Elevated |
| Surgoinsville | 1 | $1,389 | 53 | Elevated |
| Parsons | 1 | $1,920 | 53 | Elevated |
| Halls | 2 | $1,779 | 53 | Elevated |
| Dayton | 2 | $1,710 | 53 | Elevated |
| Kingston | 1 | $1,817 | 53 | Elevated |
| Oneida | 1 | $1,726 | 53 | Elevated |
| Rockford | 1 | $1,690 | 53 | Elevated |
| Cookeville | 2 | $1,786 | 53 | Elevated |
| Delano | 1 | $2,257 | 53 | Elevated |
| Grimsley | 4 | $1,648 | 53 | Elevated |
| Lynchburg, Moore County metropolitan government | 6 | $2,067 | 53 | Elevated |
| Mountain City | 3 | $1,554 | 53 | Elevated |
| Livingston | 3 | $1,805 | 53 | Elevated |
| Hornsby | 1 | $1,696 | 53 | Elevated |
| Gleason | 1 | $1,751 | 53 | Elevated |
| Palmer | 1 | $1,768 | 52 | Elevated |
| Erwin | 2 | $1,540 | 52 | Elevated |
| Ashland City | 1 | $1,843 | 52 | Elevated |
| Conasauga | 1 | $1,648 | 52 | Elevated |
| McDonald | 1 | $2,057 | 52 | Elevated |
| Medina | 1 | $2,044 | 52 | Elevated |
| Henderson | 1 | $1,955 | 52 | Elevated |
| Jonesborough | 1 | $1,424 | 52 | Elevated |
| Walnut Grove | 1 | $2,051 | 52 | Elevated |
| Oakland | 1 | $2,008 | 52 | Elevated |
| McMinnville | 1 | $1,775 | 52 | Elevated |
| Lexington | 1 | $1,839 | 52 | Elevated |
| Shelbyville | 1 | $1,796 | 52 | Elevated |
| Lawrenceburg | 1 | $1,755 | 52 | Elevated |
| Leoma | 2 | $1,702 | 52 | Elevated |
| Spring City | 2 | $1,995 | 52 | Elevated |
| Nolensville | 1 | $2,292 | 52 | Elevated |
| Greenfield | 1 | $1,772 | 52 | Elevated |
| Friendsville | 1 | $1,684 | 52 | Elevated |
| Bethel Springs | 1 | $1,815 | 52 | Elevated |
| Telford | 2 | $1,402 | 51 | Elevated |
| Alamo | 1 | $1,954 | 51 | Elevated |
| White House | 1 | $1,710 | 51 | Elevated |
| Iron City | 2 | $1,626 | 51 | Elevated |
| Pulaski | 1 | $1,739 | 51 | Elevated |
| Hilham | 1 | $1,811 | 51 | Elevated |
| Dickson | 1 | $1,837 | 51 | Elevated |
| Flintville | 3 | $1,809 | 51 | Elevated |
| Rogersville | 1 | $1,497 | 51 | Elevated |
| McKenzie | 1 | $1,857 | 51 | Elevated |
| Caryville | 1 | $1,585 | 51 | Elevated |
| Cornersville | 1 | $1,832 | 51 | Elevated |
| Ripley | 1 | $1,897 | 51 | Elevated |
| Lakewood Park | 2 | $1,957 | 51 | Elevated |
| Spring Hill | 1 | $1,938 | 50 | Elevated |
| Friendship | 1 | $2,059 | 50 | Elevated |
| Winchester | 1 | $2,051 | 50 | Elevated |
| Smithville | 1 | $1,842 | 50 | Elevated |
| Englewood | 1 | $1,724 | 50 | Elevated |
| Ethridge | 1 | $1,779 | 50 | Elevated |
| Sewanee | 1 | $2,532 | 50 | Elevated |
| Philadelphia | 2 | $1,912 | 50 | Elevated |
| East Ridge | 1 | $1,534 | 50 | Elevated |
| Riceville | 1 | $1,733 | 50 | Elevated |
| Ducktown | 1 | $2,186 | 50 | Elevated |
| Pegram | 1 | $2,004 | 50 | Elevated |
| Johnson City | 4 | $1,463 | 50 | Elevated |
| Madisonville | 1 | $1,619 | 50 | Elevated |
| Erin | 1 | $1,901 | 50 | Elevated |
| Knoxville | 12 | $1,610 | 50 | Elevated |
| New Tazewell | 2 | $1,701 | 50 | Elevated |
| Cosby | 2 | $1,569 | 49 | Elevated |
| Huntingdon | 1 | $2,049 | 49 | Elevated |
| Clarkrange | 2 | $1,678 | 49 | Elevated |
| Dunlap | 1 | $1,934 | 49 | Elevated |
| Tellico Plains | 1 | $1,700 | 49 | Elevated |
| Benton | 1 | $1,761 | 49 | Elevated |
| Wartburg | 2 | $1,666 | 49 | Elevated |
| Norris | 3 | $1,783 | 49 | Elevated |
| Sparta | 1 | $1,679 | 49 | Elevated |
| Cleveland | 3 | $1,807 | 49 | Elevated |
| Henning | 1 | $1,683 | 49 | Elevated |
| Darden | 1 | $1,767 | 49 | Elevated |
| Blaine | 1 | $1,784 | 49 | Elevated |
| Humboldt | 1 | $2,048 | 49 | Elevated |
| Brownsville | 1 | $2,005 | 49 | Elevated |
| Fall Branch | 1 | $1,380 | 48 | Elevated |
| Jellico | 2 | $1,607 | 48 | Elevated |
| Lake Tansi | 1 | $1,649 | 48 | Elevated |
| Strawberry Plains | 1 | $1,556 | 48 | Elevated |
| Powell | 1 | $1,470 | 48 | Elevated |
| Tracy City | 1 | $1,635 | 48 | Elevated |
| Crossville | 2 | $1,715 | 48 | Elevated |
| Pikeville | 1 | $1,798 | 48 | Elevated |
| Lenoir City | 2 | $1,740 | 48 | Elevated |
| Collegedale | 1 | $1,951 | 48 | Elevated |
| Ardmore | 1 | $1,958 | 48 | Elevated |
| Sevierville | 3 | $1,745 | 48 | Elevated |
| Hampton | 1 | $1,294 | 48 | Elevated |
| Rocky Top | 1 | $1,678 | 48 | Elevated |
| Mascot | 1 | $1,444 | 48 | Elevated |
| Burns | 1 | $2,016 | 47 | Elevated |
| Farragut | 2 | $1,893 | 47 | Elevated |
| Tazewell | 1 | $1,501 | 47 | Elevated |
| Copperhill | 1 | $2,065 | 47 | Elevated |
| Manchester | 1 | $1,794 | 47 | Elevated |
| Watauga | 1 | $1,492 | 47 | Elevated |
| Enville | 1 | $1,651 | 47 | Elevated |
| Karns | 1 | $1,599 | 47 | Elevated |
| Coalfield | 2 | $1,600 | 47 | Elevated |
| Harrison | 1 | $1,803 | 47 | Elevated |
| Church Hill | 1 | $1,249 | 46 | Elevated |
| Unionville | 1 | $1,783 | 46 | Elevated |
| Gadsden | 1 | $1,941 | 46 | Elevated |
| Clinton | 1 | $1,605 | 46 | Elevated |
| Rutledge | 2 | $1,557 | 46 | Elevated |
| Chapel Hill | 1 | $1,735 | 46 | Elevated |
| Maynardville | 2 | $1,909 | 46 | Elevated |
| Greeneville | 2 | $1,438 | 45 | Elevated |
| Plainview | 1 | $1,462 | 45 | Elevated |
| Elizabethton | 1 | $1,242 | 45 | Elevated |
| Etowah | 2 | $1,709 | 45 | Elevated |
| Winfield | 1 | $1,663 | 45 | Elevated |
| Estill Springs | 1 | $2,012 | 45 | Elevated |
| Hohenwald | 1 | $1,747 | 45 | Elevated |
| Linden | 1 | $1,595 | 44 | Elevated |
| Sneedville | 1 | $1,534 | 44 | Elevated |
| Bean Station | 2 | $1,601 | 44 | Elevated |
| Tusculum | 2 | $1,457 | 44 | Elevated |
| Decherd | 1 | $1,824 | 44 | Elevated |
| Mowbray Mountain | 1 | $1,764 | 44 | Elevated |
| Decatur | 1 | $1,787 | 44 | Elevated |
| Charleston | 1 | $1,791 | 43 | Elevated |
| Morristown | 3 | $1,413 | 43 | Elevated |
| Athens | 1 | $1,654 | 43 | Elevated |
| Maryville | 4 | $1,599 | 43 | Elevated |
| Parrottsville | 2 | $1,657 | 43 | Elevated |
| Celina | 1 | $1,600 | 43 | Elevated |
| Bristol | 2 | $1,372 | 42 | Elevated |
| Greenback | 1 | $1,820 | 42 | Elevated |
| Newport | 1 | $1,444 | 42 | Elevated |
| Niota | 1 | $1,735 | 42 | Elevated |
| Powells Crossroads | 1 | $1,705 | 42 | Elevated |
| Oak Ridge | 1 | $1,557 | 41 | Elevated |
| Wildwood Lake | 1 | $1,551 | 41 | Elevated |
| Seymour | 1 | $1,547 | 41 | Elevated |
| Helenwood | 1 | $1,657 | 40 | Moderate |
| Loudon | 1 | $1,747 | 40 | Moderate |
| Kingsport | 4 | $1,327 | 40 | Moderate |
| Ocoee | 1 | $1,914 | 40 | Moderate |
| Mount Carmel | 1 | $1,209 | 40 | Moderate |
| Dandridge | 1 | $1,683 | 40 | Moderate |
| White Pine | 1 | $1,484 | 40 | Moderate |
| Harrogate | 1 | $1,614 | 39 | Moderate |
| Blountville | 1 | $1,431 | 38 | Moderate |
| New Market | 1 | $1,502 | 37 | Moderate |
| Jefferson City | 1 | $1,488 | 37 | Moderate |
| Alcoa | 1 | $1,454 | 36 | Moderate |
| Collinwood | 1 | $1,308 | 36 | Moderate |
| Luttrell | 1 | $1,468 | 35 | Moderate |
| Fairfield Glade | 1 | $1,505 | 34 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.