Tennessee Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 552 ZIP codes in Tennessee (TN).

The verdict

According to U.S. Treasury FIO filings, Tennessee ranks #27 of 51 by average premium ($1,728/yr) ≠ #15 of 50 by nonrenewal (1.33%). Cost rank is not withdrawal rank.

$1,728
State avg premium (#27 of 51): #15
Nonrenewal of 50 (1.33%): 37350
In-state premium ZIP #1 ($4,027): 38108
In-state nonrenewal ZIP #1 (3.58%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Tennessee vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,728 Lower than most lower premium than 51% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2022

Source: U.S. Department of the Treasury, Federal Insurance Office, "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Each state figure on this page is the 2022 average across the state's ZIP codes, counting every ZIP once; the change figures compare 2018 with 2022. See methodology for how the state rank and national comparison are calculated.

How Tennessee Compares

Premium vs National

3% below

$1,728 vs the national $1,776 per year

Premium Change

+1.9%

2018-2022 change, 40th of 51 states on growth

Avg Loss Ratio (2022)

48.3%

Claims paid vs premiums earned

National 58.0%: insurers retain more margin here

Nonrenewal Change

+17.2%

2018-2022 change in the share of policies insurers decline to renew

Data Snapshot: Tennessee Homeowners Insurance

The Tennessee figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Tennessee homeowner pays, gives $1,899 per year.

Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the Tennessee ZIP codes that report one (93% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so that average is likely conservative).

Within Tennessee, premium dispersion across ZIP codes is substantial: the most expensive ZIP (37350 in Lookout Mountain) charges 288% more than the least expensive (37665 in Kingsport), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Tennessee

Tennessee statewide - FIO 2022, mean of ZIP codes: 48% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

552

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,697	$1,643	39.3%	4.45%	1.13%
2019	$1,693 (-0.2%)	$1,643	45.6%	5.58%	0.96%
2020	$1,682 (-0.6%)	$1,629	54.0%	6.19%	0.83%
2021	$1,713 (+1.8%)	$1,661	40.6%	5.22%	1.07%
2022	$1,728 (+0.9%)	$1,677	48.3%	5.24%	1.33%

Average homeowners premium per year in Tennessee.

Most Expensive ZIP Codes in Tennessee

Most Affordable ZIP Codes in Tennessee

All ZIP Codes in Tennessee

552 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
37350	Lookout Mountain	$4,027	11.3%	4.08%	0.20%
37215	Nashville	$3,786	29.3%	6.13%	0.86%
38028	Eads	$3,671	56.5%	8.60%	1.38%
37205	Nashville	$3,637	22.4%	4.44%	0.52%
38139	Germantown	$3,593	43.3%	8.50%	0.88%
38120	Memphis	$3,455	52.2%	11.39%	1.02%
37027	Brentwood	$3,106	62.6%	10.69%	1.05%
37069	Franklin	$3,079	68.4%	10.06%	1.02%
37220	Nashville	$2,870	51.1%	10.08%	0.68%
37046	College Grove	$2,858	62.8%	4.12%	0.85%
38138	Germantown	$2,809	46.2%	7.71%	1.23%
38017	Collierville	$2,716	55.8%	8.86%	0.90%
37212	Nashville	$2,668	16.9%	4.72%	0.65%
38104	Memphis	$2,603	50.6%	11.46%	0.94%
37067	Franklin	$2,589	73.2%	10.43%	0.93%
37014	Arrington	$2,560	65.8%	7.72%	0.59%
38119	Memphis	$2,485	55.5%	8.70%	0.89%
37204	Nashville	$2,472	39.2%	7.12%	1.29%
38042	Hickory Valley	$2,446	40.0%	10.67%	6.67%
38125	Memphis	$2,431	43.9%	7.25%	1.21%
38066	Rossville	$2,427	37.0%	6.44%	1.31%
38103	Memphis	$2,426	32.6%	5.27%	1.79%
38117	Memphis	$2,391	88.5%	14.02%	1.30%
37356	Monteagle	$2,387	30.0%	1.54%	1.03%
38076	Williston	$2,387	28.8%	6.04%	1.34%
38487	Williamsport	$2,331	8.1%	4.00%	1.00%
37064	Franklin	$2,325	79.4%	8.75%	0.87%
38002	Arlington	$2,322	38.9%	6.40%	1.14%
38454	Duck River	$2,322	89.6%	9.57%	N/A
37886	Walland	$2,309	32.6%	5.56%	0.14%
38112	Memphis	$2,298	55.6%	10.96%	1.80%
37375	Sewanee	$2,285	7.8%	0.96%	0.57%
37403	Chattanooga	$2,254	9.6%	2.53%	N/A
38018	Cordova	$2,246	34.3%	7.53%	0.98%
38111	Memphis	$2,245	68.5%	13.24%	1.71%
38253	Rives	$2,244	15.2%	5.56%	N/A
37919	Knoxville	$2,235	24.6%	3.95%	0.53%
37118	Milton	$2,223	56.4%	4.76%	1.90%
37078	Hurricane Mills	$2,213	353.2%	4.00%	N/A
38326	Counce	$2,211	38.0%	4.52%	0.85%
37149	Readyville	$2,205	54.5%	3.97%	0.72%
37377	Signal Mountain	$2,197	46.9%	3.29%	0.78%
38016	Cordova	$2,183	44.5%	8.01%	1.71%
38582	Silver Point	$2,177	128.5%	5.38%	1.15%
38116	Memphis	$2,147	56.3%	12.92%	2.16%
38057	Moscow	$2,133	37.4%	6.20%	1.69%
38115	Memphis	$2,125	48.6%	10.88%	2.21%
38128	Memphis	$2,111	78.0%	14.85%	1.96%
38311	Bath Springs	$2,108	59.6%	16.98%	1.26%
38024	Dyersburg	$2,106	80.4%	12.15%	0.79%
38305	Jackson	$2,105	42.8%	7.63%	0.85%
38476	Primm Springs	$2,098	16.8%	2.42%	1.82%
38392	Mercer	$2,095	85.5%	18.07%	1.20%
38039	Grand Junction	$2,094	102.8%	10.69%	2.52%
37866	Sharps Chapel	$2,085	41.7%	2.41%	0.93%
37016	Auburntown	$2,080	21.1%	6.36%	N/A
37030	Carthage	$2,078	79.7%	3.74%	9.87%
37010	Adams	$2,071	12.7%	3.82%	0.92%
37085	Lascassas	$2,064	31.6%	6.11%	1.27%
38105	Memphis	$2,053	31.0%	8.82%	3.43%
37179	Thompsons Station	$2,052	56.7%	8.40%	0.96%
38472	Lynnville	$2,047	40.4%	7.12%	0.75%
37360	Normandy	$2,042	86.4%	11.86%	0.56%
38067	Saulsbury	$2,038	44.8%	4.17%	1.39%
37082	Kingston Springs	$2,033	197.0%	9.65%	0.96%
37922	Knoxville	$2,032	53.6%	3.70%	0.69%
37885	Vonore	$2,029	30.7%	3.61%	0.68%
37221	Nashville	$2,021	51.6%	6.05%	0.66%
38068	Somerville	$2,018	59.9%	7.23%	1.45%
37189	Whites Creek	$2,012	20.2%	5.58%	1.30%
37352	Lynchburg	$2,003	14.2%	5.38%	0.95%
37405	Chattanooga	$1,999	18.6%	3.15%	0.76%
38135	Memphis	$1,992	37.1%	6.32%	1.12%
37060	Eagleville	$1,987	52.8%	5.73%	0.72%
38141	Memphis	$1,985	57.5%	7.98%	2.21%
37183	Wartrace	$1,984	33.1%	4.24%	0.80%
38461	Hampshire	$1,979	23.9%	7.48%	N/A
37135	Nolensville	$1,969	70.8%	8.30%	0.89%
37305	Beersheba Springs	$1,965	0.7%	1.11%	1.11%
38381	Toone	$1,956	25.1%	7.28%	1.32%
38133	Memphis	$1,949	32.0%	7.11%	1.45%
37153	Rockvale	$1,945	49.0%	6.85%	1.74%
38372	Savannah	$1,939	58.1%	9.12%	1.68%
37181	Vanleer	$1,936	2.6%	3.15%	1.57%
37130	Murfreesboro	$1,935	48.2%	7.19%	1.06%
37306	Belvidere	$1,934	13.6%	2.76%	0.79%
37404	Chattanooga	$1,933	63.0%	6.17%	1.13%
37020	Bell Buckle	$1,932	30.8%	6.23%	0.71%
38259	Trimble	$1,924	32.1%	7.41%	3.70%
38560	Elmwood	$1,920	28.8%	5.47%	3.13%
37777	Louisville	$1,916	23.6%	3.82%	0.91%
38107	Memphis	$1,915	38.0%	9.22%	1.89%
38080	Ridgely	$1,914	96.3%	5.71%	N/A
38382	Trenton	$1,912	40.8%	4.43%	0.91%
37301	Altamont	$1,911	60.0%	1.06%	N/A
37391	Turtletown	$1,910	60.4%	3.67%	0.82%
37325	Delano	$1,907	7.0%	2.47%	0.41%
38053	Millington	$1,907	48.6%	8.68%	1.18%
38008	Bolivar	$1,900	57.7%	8.08%	1.11%
38052	Middleton	$1,900	299.6%	5.84%	2.25%
38059	Newbern	$1,900	73.1%	12.18%	1.11%
37419	Chattanooga	$1,892	19.2%	3.34%	0.78%
38367	Ramer	$1,891	52.5%	9.48%	1.42%
38482	Santa Fe	$1,891	7.8%	4.97%	0.62%
38581	Rock Island	$1,891	24.1%	3.89%	1.73%
38548	Buffalo Valley	$1,890	75.2%	6.94%	1.39%
38240	Obion	$1,889	29.3%	5.38%	0.77%
38567	Hickman	$1,886	23.7%	6.25%	12.50%
37032	Cedar Hill	$1,886	25.2%	3.91%	1.12%
38034	Friendship	$1,883	18.0%	3.97%	0.79%
38004	Atoka	$1,881	34.5%	7.45%	1.62%
38258	Trezevant	$1,881	11.1%	4.76%	0.79%
38257	South Fulton	$1,881	48.3%	8.54%	1.22%
37934	Knoxville	$1,877	34.9%	3.83%	0.76%
38118	Memphis	$1,871	64.5%	11.46%	2.78%
38261	Union City	$1,871	41.1%	8.96%	0.99%
38358	Milan	$1,871	39.6%	6.80%	1.10%
38037	Gates	$1,863	35.5%	2.16%	1.44%
37145	Pleasant Shade	$1,862	21.2%	1.55%	7.73%
38023	Drummonds	$1,861	67.5%	5.29%	1.48%
38109	Memphis	$1,858	49.3%	9.57%	2.31%
38040	Halls	$1,858	32.3%	7.88%	2.03%
38006	Bells	$1,856	37.8%	5.90%	1.79%
37144	Petersburg	$1,856	21.5%	3.02%	0.91%
37398	Winchester	$1,855	59.9%	3.87%	0.87%
38343	Humboldt	$1,855	53.5%	6.80%	0.53%
37033	Centerville	$1,855	37.5%	2.27%	0.99%
38355	Medina	$1,854	74.0%	7.98%	1.04%
37036	Charlotte	$1,854	14.7%	4.87%	1.00%
38330	Dyer	$1,852	41.8%	5.44%	0.91%
37122	Mount Juliet	$1,852	70.6%	8.72%	1.87%
37075	Hendersonville	$1,851	70.0%	8.05%	0.93%
38127	Memphis	$1,850	75.5%	11.42%	2.33%
38260	Troy	$1,850	46.8%	4.80%	0.90%
38348	Lavinia	$1,849	60.8%	11.27%	1.41%
38079	Tiptonville	$1,848	94.8%	15.48%	3.23%
37052	Cunningham	$1,846	13.0%	4.73%	1.09%
37203	Nashville	$1,845	20.7%	4.49%	1.45%
38049	Mason	$1,845	112.0%	8.90%	2.13%
38237	Martin	$1,845	28.5%	6.02%	1.02%
38114	Memphis	$1,841	59.6%	12.62%	2.29%
38126	Memphis	$1,841	13.3%	4.67%	3.33%
38313	Beech Bluff	$1,838	80.3%	9.65%	1.18%
38019	Covington	$1,833	61.6%	8.73%	1.25%
37129	Murfreesboro	$1,832	52.4%	6.20%	1.15%
37880	Ten Mile	$1,831	32.0%	4.38%	0.82%
38391	Denmark	$1,830	53.3%	18.11%	0.79%
37095	Liberty	$1,830	30.6%	6.54%	1.87%
37127	Murfreesboro	$1,829	40.4%	5.34%	1.40%
38011	Brighton	$1,829	30.6%	6.97%	1.18%
37738	Gatlinburg	$1,828	53.8%	4.81%	1.20%
37051	Cumberland Furnace	$1,827	31.7%	2.45%	1.09%
37175	Stewart	$1,825	23.8%	3.73%	2.24%
37380	South Pittsburg	$1,823	28.8%	2.46%	1.05%
37353	Mc Donald	$1,821	39.8%	3.70%	1.09%
38344	Huntingdon	$1,818	58.0%	14.14%	0.55%
37206	Nashville	$1,818	60.5%	6.94%	1.16%
37330	Estill Springs	$1,817	35.6%	5.02%	0.39%
38232	Hornbeak	$1,814	329.4%	18.88%	1.02%
37317	Copperhill	$1,812	9.5%	1.77%	0.25%
38547	Brush Creek	$1,812	41.8%	3.63%	9.84%
38012	Brownsville	$1,810	30.3%	6.07%	0.96%
38060	Oakland	$1,810	40.4%	4.74%	1.35%
37029	Burns	$1,810	32.8%	6.51%	0.37%
37048	Cottontown	$1,809	29.6%	3.16%	0.58%
38366	Pinson	$1,807	43.3%	6.92%	0.77%
38356	Medon	$1,804	36.2%	10.40%	1.60%
37018	Beechgrove	$1,803	7.3%	2.11%	0.42%
38488	Taft	$1,803	8.8%	4.38%	5.18%
38339	Guys	$1,802	59.8%	6.09%	0.87%
37128	Murfreesboro	$1,801	47.2%	6.55%	1.04%
38362	Oakfield	$1,801	15.9%	2.53%	1.27%
38251	Puryear	$1,801	51.2%	6.27%	1.74%
37037	Christiana	$1,799	42.6%	5.22%	1.55%
38134	Memphis	$1,799	59.5%	9.88%	1.74%
37035	Chapmansboro	$1,798	20.4%	3.79%	1.11%
37374	Sequatchie	$1,796	3.4%	2.80%	0.93%
38242	Paris	$1,793	51.0%	4.32%	1.24%
38222	Buchanan	$1,788	89.3%	7.87%	0.98%
38451	Culleoka	$1,788	35.3%	5.91%	2.17%
37191	Woodlawn	$1,788	60.4%	5.47%	0.53%
37218	Nashville	$1,787	89.0%	8.88%	1.51%
37066	Gallatin	$1,786	41.7%	5.46%	1.06%
37043	Clarksville	$1,786	22.4%	3.57%	0.74%
38221	Big Sandy	$1,783	44.6%	3.40%	0.75%
38316	Bradford	$1,780	4.4%	2.48%	0.83%
38069	Stanton	$1,778	34.6%	5.14%	1.61%
37072	Goodlettsville	$1,778	45.7%	5.54%	0.93%
38449	Ardmore	$1,777	90.7%	4.12%	0.48%
38224	Cottage Grove	$1,776	128.0%	4.82%	2.41%
38317	Bruceton	$1,775	13.0%	4.15%	0.41%
37138	Old Hickory	$1,775	48.1%	5.52%	1.71%
38340	Henderson	$1,774	35.2%	5.51%	1.02%
38310	Adamsville	$1,773	26.9%	6.80%	1.11%
38369	Rutherford	$1,773	22.5%	3.82%	1.27%
38337	Gadsden	$1,772	20.2%	7.69%	N/A
37406	Chattanooga	$1,772	23.8%	4.83%	1.41%
38333	Eva	$1,771	N/A	N/A	N/A
38058	Munford	$1,771	35.2%	6.70%	1.06%
38075	Whiteville	$1,770	70.5%	11.64%	2.09%
38301	Jackson	$1,767	80.1%	12.90%	1.42%
38001	Alamo	$1,767	27.4%	4.75%	1.30%
38106	Memphis	$1,766	52.9%	11.37%	2.80%
37143	Pegram	$1,762	20.2%	3.74%	0.48%
37171	Southside	$1,761	19.7%	3.94%	1.57%
37334	Fayetteville	$1,761	44.4%	6.09%	1.02%
37090	Lebanon	$1,758	65.4%	4.82%	2.62%
38379	Stantonville	$1,756	22.0%	5.94%	0.91%
37184	Watertown	$1,751	25.1%	3.95%	4.98%
37049	Cross Plains	$1,749	25.3%	4.66%	1.21%
37050	Cumberland City	$1,749	52.5%	2.72%	1.36%
38225	Dresden	$1,748	338.3%	13.84%	0.89%
37080	Joelton	$1,745	60.8%	3.51%	1.10%
38233	Kenton	$1,742	279.2%	20.20%	0.99%
37313	Coalmont	$1,740	68.0%	5.41%	2.03%
38063	Ripley	$1,737	62.5%	6.01%	1.35%
37336	Georgetown	$1,736	38.3%	3.09%	0.56%
37342	Hillsboro	$1,735	27.6%	6.38%	0.67%
37079	Indian Mound	$1,735	8.0%	4.28%	1.07%
37074	Hartsville	$1,733	85.1%	5.21%	2.40%
37829	Oakdale	$1,733	9.0%	4.17%	1.67%
37882	Townsend	$1,732	30.7%	3.57%	1.02%
37366	Pelham	$1,731	19.5%	4.49%	N/A
37772	Lenoir City	$1,730	22.9%	3.34%	1.03%
37381	Spring City	$1,729	28.4%	4.87%	1.62%
37363	Ooltewah	$1,728	41.2%	3.65%	0.73%
37146	Pleasant View	$1,726	52.4%	4.67%	1.30%
37137	Nunnelly	$1,726	0.7%	0.38%	1.53%
38334	Finger	$1,724	23.8%	3.59%	1.03%
37327	Dunlap	$1,724	53.1%	2.59%	0.93%
37828	Norris	$1,724	25.2%	4.43%	0.95%
37028	Bumpus Mills	$1,722	8.0%	2.78%	1.39%
37023	Big Rock	$1,721	26.7%	4.92%	0.82%
37087	Lebanon	$1,719	36.3%	4.73%	2.53%
37022	Bethpage	$1,719	20.0%	3.41%	2.42%
37337	Grandview	$1,719	25.7%	4.63%	3.70%
37142	Palmyra	$1,719	226.6%	3.23%	1.61%
37361	Ocoee	$1,719	15.6%	1.98%	0.79%
38363	Parsons	$1,719	11.2%	4.59%	0.63%
37026	Bradyville	$1,718	14.1%	4.40%	N/A
38361	Morris Chapel	$1,717	16.8%	6.78%	1.69%
37031	Castalian Springs	$1,714	18.2%	2.89%	1.08%
38015	Burlison	$1,713	36.7%	2.65%	1.47%
37640	Butler	$1,713	46.3%	2.29%	0.95%
37705	Andersonville	$1,711	10.7%	2.13%	0.95%
37185	Waverly	$1,710	23.1%	2.67%	1.03%
38425	Clifton	$1,709	78.3%	8.63%	0.39%
37335	Flintville	$1,705	34.0%	6.45%	0.81%
38320	Camden	$1,704	45.4%	4.78%	1.01%
38231	Henry	$1,703	12.9%	2.26%	0.75%
37174	Spring Hill	$1,702	53.6%	6.74%	0.88%
38585	Spencer	$1,700	7.9%	2.18%	1.56%
37047	Cornersville	$1,697	151.1%	4.58%	1.41%
37345	Huntland	$1,695	28.4%	5.70%	2.07%
38371	Sardis	$1,695	241.3%	6.85%	N/A
38201	Mc Kenzie	$1,694	17.3%	5.51%	0.97%
37339	Gruetli Laager	$1,693	51.8%	10.06%	1.18%
37012	Alexandria	$1,692	97.0%	4.09%	3.18%
37025	Bon Aqua	$1,691	16.9%	3.79%	0.73%
37141	Orlinda	$1,690	8.0%	2.11%	0.70%
38321	Cedar Grove	$1,690	27.2%	8.86%	1.90%
38569	Lancaster	$1,689	305.1%	3.30%	1.10%
38473	Minor Hill	$1,688	21.2%	5.84%	N/A
37190	Woodbury	$1,688	18.0%	2.79%	1.50%
37862	Sevierville	$1,687	363.8%	5.96%	0.91%
37061	Erin	$1,687	29.4%	3.24%	0.59%
37062	Fairview	$1,687	44.4%	5.31%	1.04%
37407	Chattanooga	$1,687	94.4%	8.37%	2.58%
37166	Smithville	$1,687	42.5%	4.46%	0.92%
38342	Hollow Rock	$1,685	84.5%	4.58%	N/A
38375	Selmer	$1,684	47.7%	9.29%	1.02%
37302	Apison	$1,684	15.1%	1.73%	0.95%
38357	Michie	$1,681	68.0%	7.16%	2.53%
37073	Greenbrier	$1,679	25.2%	4.36%	1.52%
38549	Byrdstown	$1,677	22.8%	3.68%	1.29%
37726	Deer Lodge	$1,677	32.8%	1.90%	0.63%
37347	Jasper	$1,677	28.9%	3.73%	1.07%
37178	Tennessee Ridge	$1,676	8.5%	4.46%	1.49%
38108	Memphis	$1,676	65.8%	9.87%	3.58%
37657	Flag Pond	$1,675	N/A	N/A	N/A
37167	Smyrna	$1,674	54.5%	7.66%	1.10%
37216	Nashville	$1,672	37.8%	6.70%	0.92%
38255	Sharon	$1,672	242.7%	10.00%	0.59%
38563	Gordonsville	$1,671	65.7%	7.93%	9.69%
37209	Nashville	$1,669	25.2%	3.79%	1.06%
37308	Birchwood	$1,667	23.3%	3.17%	1.49%
37357	Morrison	$1,667	72.5%	5.27%	0.98%
38220	Atwood	$1,666	16.6%	3.09%	2.47%
38341	Holladay	$1,666	136.8%	3.80%	N/A
38351	Lexington	$1,665	71.0%	8.32%	0.83%
38477	Prospect	$1,665	69.1%	6.27%	1.74%
37810	Mohawk	$1,665	17.6%	3.10%	2.33%
38573	Monroe	$1,662	38.0%	3.50%	1.00%
38374	Scotts Hill	$1,662	14.4%	2.83%	N/A
37324	Decherd	$1,659	69.4%	4.70%	0.59%
37854	Rockwood	$1,659	55.8%	4.43%	1.14%
38587	Walling	$1,658	9.8%	1.81%	0.60%
37742	Greenback	$1,656	27.4%	5.25%	0.67%
38483	Summertown	$1,656	11.8%	2.84%	1.34%
37076	Hermitage	$1,655	59.5%	6.99%	1.31%
37172	Springfield	$1,653	37.7%	4.64%	0.94%
37388	Tullahoma	$1,651	38.9%	5.01%	1.01%
37207	Nashville	$1,650	40.8%	7.93%	1.35%
37013	Antioch	$1,649	44.9%	8.15%	2.18%
38541	Allons	$1,648	33.8%	4.46%	N/A
38570	Livingston	$1,648	48.6%	8.31%	1.07%
37309	Calhoun	$1,648	54.4%	2.58%	1.85%
37015	Ashland City	$1,648	25.7%	3.81%	1.11%
37058	Dover	$1,647	79.4%	4.13%	1.56%
37369	Reliance	$1,646	17.4%	2.67%	1.33%
38315	Bethel Springs	$1,645	44.3%	7.91%	0.61%
38345	Huron	$1,645	111.0%	12.04%	0.93%
37878	Tallassee	$1,645	96.0%	4.35%	0.72%
37055	Dickson	$1,644	42.2%	5.53%	0.95%
38380	Sugar Tree	$1,644	8.1%	2.45%	N/A
37709	Blaine	$1,643	22.0%	2.44%	0.73%
38061	Pocahontas	$1,642	13.1%	4.95%	0.99%
38230	Greenfield	$1,641	13.8%	5.50%	0.97%
38555	Crossville	$1,639	16.9%	3.43%	0.88%
37086	La Vergne	$1,636	46.5%	8.12%	2.00%
37187	White Bluff	$1,636	42.8%	4.20%	0.71%
37416	Chattanooga	$1,632	33.2%	4.78%	1.22%
37134	New Johnsonville	$1,632	18.8%	3.80%	1.77%
37355	Manchester	$1,631	33.6%	4.72%	0.88%
37409	Chattanooga	$1,631	15.1%	3.37%	1.95%
37328	Elora	$1,631	21.7%	6.77%	2.26%
37691	Trade	$1,629	56.2%	4.71%	N/A
37217	Nashville	$1,629	38.9%	7.71%	1.87%
38368	Reagan	$1,628	98.7%	3.30%	0.55%
38401	Columbia	$1,628	46.6%	6.38%	1.23%
38574	Monterey	$1,626	36.4%	2.83%	0.73%
37180	Unionville	$1,625	44.8%	4.98%	0.71%
37160	Shelbyville	$1,624	40.0%	5.76%	1.18%
37211	Nashville	$1,624	67.8%	8.63%	1.44%
37367	Pikeville	$1,623	16.6%	2.09%	0.93%
37318	Cowan	$1,623	13.5%	2.12%	1.06%
37101	Mc Ewen	$1,623	20.8%	2.97%	1.27%
37763	Kingston	$1,622	42.4%	5.45%	1.10%
38474	Mount Pleasant	$1,622	58.4%	7.61%	1.44%
38229	Gleason	$1,622	4.9%	2.27%	N/A
37348	Kelso	$1,621	12.6%	3.31%	0.83%
37770	Lancing	$1,618	224.4%	5.53%	1.28%
38462	Hohenwald	$1,618	47.7%	5.28%	0.74%
37421	Chattanooga	$1,615	119.1%	4.82%	0.90%
37872	Sunbright	$1,613	7.8%	2.45%	1.47%
37322	Decatur	$1,611	54.5%	4.13%	0.94%
37150	Red Boiling Springs	$1,610	30.9%	4.25%	1.31%
38456	Ethridge	$1,608	47.6%	4.87%	1.30%
38478	Pulaski	$1,607	28.7%	4.00%	1.05%
37341	Harrison	$1,607	27.2%	3.14%	0.74%
38506	Cookeville	$1,607	32.3%	4.71%	0.84%
37091	Lewisburg	$1,606	31.0%	4.64%	1.10%
37411	Chattanooga	$1,606	23.9%	5.44%	1.05%
37310	Charleston	$1,604	72.4%	3.57%	0.78%
38554	Crawford	$1,601	3.9%	1.79%	1.79%
38545	Bloomington Springs	$1,600	13.8%	7.27%	0.91%
37307	Benton	$1,597	31.2%	3.16%	1.75%
37811	Mooresburg	$1,597	20.0%	4.03%	1.12%
38388	Wildersville	$1,596	58.6%	4.57%	1.02%
37774	Loudon	$1,595	34.5%	3.81%	0.69%
37312	Cleveland	$1,594	32.6%	3.58%	0.69%
37019	Belfast	$1,593	58.7%	3.41%	N/A
37208	Nashville	$1,591	53.8%	3.72%	1.60%
37766	La Follette	$1,590	45.7%	4.40%	2.12%
38122	Memphis	$1,590	70.0%	11.31%	1.82%
38468	Leoma	$1,589	14.3%	3.72%	0.68%
37115	Madison	$1,589	46.3%	7.03%	1.50%
37876	Sevierville	$1,589	29.3%	3.81%	0.77%
38370	Saltillo	$1,588	41.5%	7.76%	0.86%
38329	Decaturville	$1,585	16.6%	4.18%	N/A
38236	Mansfield	$1,585	152.8%	2.99%	2.99%
38256	Springville	$1,584	20.1%	2.49%	0.95%
37034	Chapel Hill	$1,584	37.5%	6.03%	0.86%
37110	Mcminnville	$1,582	48.9%	4.17%	1.39%
37098	Lyles	$1,581	16.9%	3.88%	0.82%
38486	Westpoint	$1,581	374.7%	4.59%	3.67%
38568	Hilham	$1,579	6.4%	2.23%	0.45%
37379	Soddy Daisy	$1,577	22.4%	3.15%	0.62%
38464	Lawrenceburg	$1,577	43.0%	6.22%	1.26%
38579	Quebeck	$1,575	421.6%	6.48%	1.85%
37713	Bybee	$1,575	45.1%	0.83%	1.65%
37841	Oneida	$1,574	42.2%	1.47%	1.30%
37097	Lobelville	$1,572	34.7%	2.94%	0.49%
38044	Hornsby	$1,571	94.6%	4.17%	1.04%
37370	Riceville	$1,570	22.7%	4.57%	1.74%
37863	Pigeon Forge	$1,568	25.6%	3.48%	1.20%
37826	Niota	$1,567	29.7%	5.05%	0.78%
38475	Olivehill	$1,566	32.7%	4.17%	N/A
38328	Darden	$1,566	247.8%	5.31%	N/A
37825	New Tazewell	$1,566	43.1%	2.92%	1.19%
38588	Whitleyville	$1,564	11.6%	2.97%	1.98%
38564	Granville	$1,563	30.8%	5.21%	2.08%
37148	Portland	$1,563	37.3%	4.87%	1.17%
38041	Henning	$1,559	34.4%	5.94%	1.37%
38577	Pall Mall	$1,558	375.0%	7.04%	N/A
37365	Palmer	$1,558	288.0%	8.27%	0.75%
38562	Gainesboro	$1,557	67.3%	5.49%	1.72%
37321	Dayton	$1,557	52.3%	2.99%	1.24%
37186	Westmoreland	$1,556	19.0%	4.43%	1.44%
37846	Philadelphia	$1,556	21.7%	3.09%	1.29%
37083	Lafayette	$1,555	40.2%	3.67%	2.35%
37040	Clarksville	$1,553	29.0%	4.73%	1.22%
38463	Iron City	$1,552	63.9%	5.68%	0.87%
37373	Sale Creek	$1,550	8.3%	2.10%	1.53%
37329	Englewood	$1,549	42.6%	4.80%	1.52%
37397	Whitwell	$1,549	29.0%	2.97%	0.51%
38460	Goodspring	$1,548	40.7%	6.10%	1.83%
37737	Friendsville	$1,547	30.1%	3.25%	1.28%
37853	Rockford	$1,545	24.9%	4.30%	N/A
37725	Dandridge	$1,545	34.4%	3.12%	0.84%
38501	Cookeville	$1,544	62.7%	5.86%	0.52%
37343	Hixson	$1,542	43.6%	4.05%	0.63%
37188	White House	$1,540	36.7%	4.29%	0.87%
38580	Rickman	$1,532	23.4%	5.98%	0.54%
37881	Thorn Hill	$1,532	13.6%	3.55%	0.71%
37727	Del Rio	$1,531	167.1%	2.34%	N/A
37385	Tellico Plains	$1,530	22.4%	2.93%	0.90%
37892	Winfield	$1,526	15.1%	3.55%	0.51%
37769	Rocky Top	$1,524	40.4%	4.46%	1.04%
37214	Nashville	$1,523	61.2%	5.73%	1.18%
37059	Dowelltown	$1,521	39.9%	6.70%	2.23%
38469	Loretto	$1,521	22.1%	4.72%	1.23%
37042	Clarksville	$1,520	26.3%	5.79%	1.29%
37387	Tracy City	$1,515	68.2%	4.02%	N/A
37870	Speedwell	$1,514	43.5%	3.67%	0.67%
37338	Graysville	$1,511	44.8%	2.14%	2.14%
38332	Enville	$1,511	133.0%	4.72%	2.83%
38571	Crossville	$1,508	10.5%	2.40%	0.80%
37748	Harriman	$1,507	34.2%	3.53%	1.34%
37755	Helenwood	$1,507	7.8%	1.38%	0.35%
38544	Baxter	$1,507	22.8%	3.38%	1.25%
38327	Crump	$1,504	66.8%	6.60%	0.94%
37753	Hartford	$1,501	16.6%	2.50%	N/A
37932	Knoxville	$1,501	52.9%	4.53%	0.49%
38583	Sparta	$1,500	40.3%	5.20%	0.96%
37874	Sweetwater	$1,499	58.6%	3.64%	1.28%
38559	Doyle	$1,499	10.3%	2.27%	N/A
38457	Five Points	$1,497	17.8%	4.62%	1.54%
38572	Crossville	$1,497	41.9%	5.26%	0.77%
37415	Chattanooga	$1,497	41.6%	3.96%	0.74%
37724	Cumberland Gap	$1,496	23.5%	4.24%	2.12%
37303	Athens	$1,495	56.2%	5.14%	0.99%
37756	Huntsville	$1,494	13.9%	1.68%	1.68%
37332	Evensville	$1,491	29.1%	4.17%	1.85%
37803	Maryville	$1,490	27.4%	4.11%	0.48%
37847	Pioneer	$1,488	71.6%	2.15%	0.86%
37311	Cleveland	$1,485	36.6%	2.98%	1.54%
37723	Crab Orchard	$1,481	16.3%	6.00%	2.00%
37362	Old Fort	$1,479	15.3%	3.63%	1.40%
37716	Clinton	$1,476	40.7%	6.86%	1.26%
37096	Linden	$1,476	37.3%	5.23%	0.84%
37210	Nashville	$1,473	22.9%	4.21%	1.96%
37764	Kodak	$1,473	29.0%	3.44%	0.70%
37752	Harrogate	$1,473	18.1%	1.63%	0.30%
37843	Parrottsville	$1,469	53.6%	3.04%	0.47%
37887	Wartburg	$1,467	23.4%	3.29%	1.32%
37714	Caryville	$1,464	20.2%	3.19%	1.21%
37408	Chattanooga	$1,460	2.2%	1.12%	0.56%
38452	Cypress Inn	$1,460	6.0%	2.00%	1.00%
37354	Madisonville	$1,458	53.3%	5.84%	1.03%
37754	Heiskell	$1,457	20.2%	3.67%	0.67%
37852	Robbins	$1,455	7.7%	1.30%	1.30%
38556	Jamestown	$1,451	21.9%	3.45%	1.01%
37807	Maynardville	$1,450	31.2%	3.17%	1.11%
37331	Etowah	$1,447	57.0%	5.75%	1.15%
37830	Oak Ridge	$1,443	30.8%	3.87%	1.11%
37931	Knoxville	$1,442	39.3%	5.52%	0.85%
37861	Rutledge	$1,438	16.0%	2.41%	0.84%
37888	Washburn	$1,437	122.2%	3.55%	1.02%
37923	Knoxville	$1,430	32.4%	3.96%	0.63%
38481	Saint Joseph	$1,429	105.1%	8.26%	2.75%
37871	Strawberry Plains	$1,428	33.1%	4.83%	0.71%
37757	Jacksboro	$1,428	51.9%	5.28%	2.09%
37686	Piney Flats	$1,426	16.1%	3.26%	1.32%
37840	Oliver Springs	$1,419	40.7%	3.64%	1.01%
37909	Knoxville	$1,418	27.2%	4.78%	0.76%
37891	Whitesburg	$1,415	28.4%	3.29%	2.10%
37865	Seymour	$1,412	39.8%	4.66%	0.75%
37771	Lenoir City	$1,408	35.9%	4.31%	1.25%
37938	Knoxville	$1,407	24.3%	3.96%	0.81%
38553	Clarkrange	$1,406	20.8%	2.17%	1.44%
37920	Knoxville	$1,402	39.7%	4.24%	1.06%
37615	Johnson City	$1,401	47.0%	4.72%	1.64%
38551	Celina	$1,401	21.7%	3.01%	0.56%
37722	Cosby	$1,394	32.7%	3.23%	0.75%
38504	Allardt	$1,391	13.3%	2.58%	2.58%
37410	Chattanooga	$1,389	36.2%	7.31%	1.83%
37762	Jellico	$1,389	68.5%	3.78%	0.42%
37323	Cleveland	$1,386	44.5%	3.84%	1.08%
37820	New Market	$1,386	19.3%	3.53%	0.81%
37869	Sneedville	$1,386	0.5%	1.06%	1.06%
37879	Tazewell	$1,385	24.0%	2.78%	1.13%
37616	Afton	$1,385	24.4%	2.44%	0.65%
37860	Russellville	$1,384	9.4%	2.14%	N/A
37914	Knoxville	$1,379	46.7%	4.59%	1.02%
38558	Crossville	$1,373	16.5%	3.09%	0.12%
37801	Maryville	$1,372	27.8%	3.57%	0.61%
37412	Chattanooga	$1,371	30.5%	3.85%	0.96%
37857	Rogersville	$1,366	25.3%	2.63%	1.22%
37890	White Pine	$1,366	15.1%	1.99%	1.26%
38485	Waynesboro	$1,360	68.2%	7.84%	2.19%
37915	Knoxville	$1,358	32.1%	7.49%	0.90%
37779	Luttrell	$1,354	31.2%	3.76%	0.87%
37708	Bean Station	$1,351	102.5%	4.20%	0.57%
37711	Bulls Gap	$1,351	61.0%	3.15%	1.05%
37760	Jefferson City	$1,349	25.8%	2.63%	0.90%
37849	Powell	$1,343	67.1%	8.69%	1.05%
37683	Mountain City	$1,339	14.6%	2.41%	1.60%
37814	Morristown	$1,339	33.6%	3.37%	1.07%
37821	Newport	$1,337	45.1%	2.92%	0.99%
37692	Unicoi	$1,335	19.9%	3.08%	1.54%
37918	Knoxville	$1,334	31.6%	4.60%	0.76%
37687	Roan Mountain	$1,333	72.5%	3.47%	0.99%
37694	Watauga	$1,332	10.6%	4.10%	0.51%
37804	Maryville	$1,330	55.0%	3.97%	0.66%
37924	Knoxville	$1,329	23.7%	4.90%	1.05%
37688	Shady Valley	$1,325	24.8%	3.30%	1.10%
37721	Corryton	$1,323	59.4%	5.72%	0.70%
37877	Talbott	$1,322	90.2%	2.88%	1.25%
37681	Limestone	$1,321	19.1%	3.30%	3.00%
37743	Greeneville	$1,317	35.8%	3.42%	0.86%
37701	Alcoa	$1,314	15.5%	3.80%	0.46%
38565	Grimsley	$1,310	4.3%	2.05%	N/A
37806	Mascot	$1,310	52.1%	4.75%	0.62%
37351	Lupton City	$1,303	31.2%	4.41%	N/A
37617	Blountville	$1,303	36.6%	2.35%	1.15%
37659	Jonesborough	$1,300	41.0%	4.38%	1.89%
37873	Surgoinsville	$1,287	88.9%	6.00%	1.20%
37663	Kingsport	$1,284	37.1%	3.43%	1.14%
37745	Greeneville	$1,282	39.7%	2.95%	0.61%
37809	Midway	$1,273	17.2%	4.24%	N/A
37641	Chuckey	$1,272	32.8%	2.78%	0.50%
37917	Knoxville	$1,267	40.3%	3.91%	1.02%
37604	Johnson City	$1,265	35.9%	4.28%	1.72%
37620	Bristol	$1,265	24.2%	3.16%	1.24%
37656	Fall Branch	$1,260	16.0%	4.17%	1.12%
37664	Kingsport	$1,260	45.4%	5.58%	1.04%
37690	Telford	$1,258	16.1%	2.70%	0.90%
37601	Johnson City	$1,246	26.2%	2.94%	1.26%
37813	Morristown	$1,241	38.1%	2.77%	0.62%
37618	Bluff City	$1,232	19.3%	3.27%	1.69%
37818	Mosheim	$1,232	112.2%	3.57%	0.89%
37660	Kingsport	$1,225	44.7%	4.31%	1.38%
37921	Knoxville	$1,221	38.9%	5.44%	1.21%
38450	Collinwood	$1,212	17.9%	4.95%	0.45%
37658	Hampton	$1,189	10.8%	2.41%	1.09%
37912	Knoxville	$1,163	29.7%	5.17%	1.16%
37650	Erwin	$1,159	36.3%	3.28%	1.28%
37642	Church Hill	$1,142	82.9%	9.13%	1.51%
37643	Elizabethton	$1,137	35.4%	2.81%	1.11%
37645	Mount Carmel	$1,106	32.2%	3.86%	0.79%
37665	Kingsport	$1,039	40.7%	3.50%	2.12%

Tennessee Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Tennessee compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Tennessee

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Tennessee ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

64.3

32nd of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Tennessee FIO ZIPs

Most common top hazard

Earthquake

37 of 95 counties

Highest FEMA NRI counties in Tennessee
County	Risk score	Rating	Top hazard
Shelby	99.4	Relatively High	Earthquake
Davidson	97.2	Relatively High	Earthquake
Hamilton	93.3	Relatively Moderate	Tornado

Counties with elevated FEMA hazard ratings in Tennessee
Hazard	Elevated counties	Share of joined
Tornado	12	13%
Winter weather	7	7%
Flooding	4	4%
Earthquake	3	3%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Tennessee: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,728/yr here).

Arkansas $1,736/yr South Carolina $1,765/yr Georgia $1,769/yr Illinois $1,631/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.33% here).

North Dakota 1.38% Colorado 1.27% Indiana 1.27% Montana 1.26%

Frequently Asked Questions

What is the average homeowners insurance cost in Tennessee? ▼

Averaged across the 552 Tennessee ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,728 ($1,899 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 3% below the national average of $1,776.

How have insurance premiums changed in Tennessee? ▼

Tennessee homeowners insurance premiums changed by +1.9% between 2018 and 2022. The 2022 average loss ratio is 48.3%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Tennessee? ▼

The most expensive ZIP code for homeowners insurance in Tennessee is 37350, with an average premium of $4,027/yr. The most affordable is 37665 at $1,039/yr.

What is the nonrenewal rate for Tennessee homeowners insurance? ▼

Averaged across the Tennessee ZIP codes that report one (93% of the state's ZIP codes), the nonrenewal rate is 1.33%. This rate has changed by +17.2% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 38108 has the highest nonrenewal rate in the state at 3.58%.

What is a loss ratio and what does Tennessee's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Tennessee's 2022 average loss ratio is 48.3%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Tennessee? ▼

The average claim frequency in Tennessee is 5.24%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,736. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Tennessee? ▼

Across 95 FEMA National Risk Index counties that join to Tennessee ZIP codes in the FIO file, the mean county risk score is 64.3 (7% below the 50-state mean of 69.3). The most common county-level top hazard is Earthquake (37 of 95 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (12), Winter weather (7), Flooding (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Tennessee in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Tennessee ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are 2022 averages across ZIP-level U.S. Treasury FIO observations (changes compare 2018 with 2022), a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure , Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Tennessee Homeowners Insurance

How Tennessee Compares

Data Snapshot: Tennessee Homeowners Insurance

Loss Ratio Reading: Tennessee

Premium Trends (2018-2022)

Average premium in Tennessee, 2018–2022

Most Expensive ZIP Codes in Tennessee

Most Affordable ZIP Codes in Tennessee

All ZIP Codes in Tennessee

Tennessee Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

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