Data · June 2026 data · 14-month trend
Tennessee Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Tennessee paid an average premium of $1,215 in June 2026. Against a national average of $1,001, the state sits 21.3% higher. That represents an 8.7% increase year over year. In all, 2,143 policies were written or renewed across 86 counties that month, and Grainger County topped the county table at $3,865.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — June 2026
- Average premium
- $1,215
- Avg total cost (with fees)
- $1,561
- Change (year over year)
- +8.7%
- vs national average
- +21.3%
- Policies written or renewed
- 2,143
- Counties reporting
- 86
Tennessee trend, last 14 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,178 | $1,528 | 2,108 | |
| June 2025 | $1,117 | $1,447 | 2,287 | |
| July 2025 | $1,130 | $1,465 | 2,193 | |
| August 2025 | $1,147 | $1,473 | 2,171 | |
| September 2025 | $1,116 | $1,445 | 2,201 | |
| October 2025 | $1,112 | $1,447 | 2,025 | |
| November 2025 | $1,133 | $1,466 | 1,851 | |
| December 2025 | $1,211 | $1,578 | 1,674 | |
| January 2026 | $1,192 | $1,545 | 1,546 | |
| February 2026 | $1,294 | $1,673 | 1,485 | |
| March 2026 | $1,220 | $1,586 | 2,081 | |
| April 2026 | $1,229 | $1,580 | 1,864 | |
| May 2026 | $1,277 | $1,643 | 1,922 | |
| June 2026 | $1,215 | $1,561 | 2,143 |
County breakdown — June 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Grainger County | $3,865 | $4,633 | 1 | |
| Morgan County | $3,862 | $4,629 | 1 | |
| Houston County | $3,573 | $4,423 | 5 | |
| Marshall County | $3,476 | $4,255 | 14 | |
| FIPS 47000 | $3,323 | $4,218 | 1 | |
| McMinn County | $3,220 | $4,022 | 3 | |
| Polk County | $2,966 | $3,685 | 4 | |
| Jackson County | $2,788 | $3,587 | 4 | |
| Overton County | $2,766 | $3,448 | 2 | |
| Warren County | $2,592 | $3,205 | 3 | |
| Cannon County | $2,525 | $3,126 | 6 | |
| Franklin County | $2,321 | $2,811 | 1 | |
| Macon County | $2,108 | $2,559 | 1 | |
| Campbell County | $2,087 | $2,647 | 2 | |
| Scott County | $2,034 | $2,697 | 3 | |
| Lincoln County | $1,981 | $2,571 | 7 | |
| Carter County | $1,715 | $2,123 | 33 | |
| Sumner County | $1,674 | $2,099 | 71 | |
| Johnson County | $1,637 | $2,060 | 8 | |
| Cocke County | $1,590 | $2,048 | 9 | |
| Wayne County | $1,569 | $1,998 | 9 | |
| Smith County | $1,535 | $1,939 | 12 | |
| Stewart County | $1,528 | $1,875 | 2 | |
| Blount County | $1,527 | $1,928 | 33 | |
| Cheatham County | $1,511 | $1,914 | 34 | |
| Maury County | $1,416 | $1,807 | 21 | |
| Anderson County | $1,383 | $1,774 | 13 | |
| Hamilton County | $1,364 | $1,750 | 122 | |
| Williamson County | $1,304 | $1,646 | 146 | |
| Van Buren County | $1,286 | $1,589 | 2 | |
| Coffee County | $1,261 | $1,629 | 13 | |
| Putnam County | $1,256 | $1,650 | 7 | |
| Rutherford County | $1,243 | $1,592 | 105 | |
| Wilson County | $1,243 | $1,587 | 65 | |
| Rhea County | $1,234 | $1,692 | 11 | |
| Davidson County | $1,214 | $1,546 | 560 | |
| Sevier County | $1,195 | $1,552 | 106 | |
| Hickman County | $1,186 | $1,629 | 10 | |
| Marion County | $1,179 | $1,588 | 9 | |
| Fentress County | $1,154 | $1,434 | 1 | |
| Knox County | $1,143 | $1,486 | 69 | |
| Montgomery County | $1,142 | $1,462 | 37 | |
| Meigs County | $1,137 | $1,639 | 2 | |
| Washington County | $1,122 | $1,526 | 19 | |
| Monroe County | $1,119 | $1,393 | 5 | |
| Humphreys County | $1,114 | $1,386 | 5 | |
| Robertson County | $1,087 | $1,429 | 6 | |
| DeKalb County | $1,072 | $1,394 | 4 | |
| Bradley County | $1,069 | $1,380 | 19 | |
| Sequatchie County | $1,055 | $1,407 | 5 | |
| Sullivan County | $1,026 | $1,341 | 31 | |
| Bledsoe County | $1,007 | $1,260 | 1 | |
| Hawkins County | $1,006 | $1,334 | 9 | |
| Roane County | $940 | $1,278 | 7 | |
| Jefferson County | $938 | $1,216 | 6 | |
| Dickson County | $921 | $1,223 | 7 | |
| Giles County | $896 | $1,198 | 13 | |
| McNairy County | $887 | $1,268 | 3 | |
| Hardin County | $863 | $1,203 | 14 | |
| Tipton County | $860 | $1,131 | 20 | |
| Madison County | $847 | $1,128 | 24 | |
| Shelby County | $832 | $1,101 | 237 | |
| Obion County | $831 | $1,085 | 7 | |
| Fayette County | $831 | $1,085 | 7 | |
| Decatur County | $831 | $1,184 | 12 | |
| Weakley County | $808 | $1,213 | 6 | |
| Clay County | $801 | $1,017 | 3 | |
| Henry County | $801 | $1,057 | 11 | |
| Crockett County | $791 | $1,080 | 3 | |
| Lake County | $775 | $987 | 2 | |
| Claiborne County | $748 | $955 | 3 | |
| Perry County | $746 | $1,093 | 8 | |
| Bedford County | $745 | $1,007 | 4 | |
| Unicoi County | $718 | $964 | 10 | |
| Cumberland County | $698 | $895 | 2 | |
| Loudon County | $691 | $887 | 4 | |
| Henderson County | $669 | $1,086 | 1 | |
| Hamblen County | $661 | $927 | 3 | |
| Dyer County | $598 | $825 | 19 | |
| Greene County | $594 | $848 | 3 | |
| White County | $535 | $703 | 2 | |
| Gibson County | $489 | $681 | 7 | |
| Haywood County | $487 | $703 | 12 | |
| Lauderdale County | $484 | $778 | 5 | |
| Carroll County | $388 | $755 | 2 | |
| Benton County | $310 | $551 | 4 |
Use this data
Download Tennessee CSV (tennessee.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Tennessee Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/tennessee
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.