Data · July 2026 data · 15-month trend
Tennessee Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Tennessee paid an average premium of $1,230 in July 2026. Against a national average of $986, the state sits 24.8% higher. That represents an 8.8% increase year over year. In all, 2,065 policies were written or renewed across 88 counties that month, and Jackson County topped the county table at $11,757.
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 — July 2026
- Average premium
- $1,230
- Avg total cost (with fees)
- $1,583
- Change (year over year)
- +8.8%
- vs national average
- +24.8%
- Policies written or renewed
- 2,065
- Counties reporting
- 88
Tennessee trend, last 15 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 | |
| July 2026 | $1,230 | $1,583 | 2,065 |
County breakdown — July 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 |
|---|---|---|---|---|
| Jackson County | $11,757 | $14,170 | 1 | |
| Henderson County | $5,334 | $6,591 | 1 | |
| Cocke County | $3,111 | $3,856 | 10 | |
| Lewis County | $3,071 | $3,696 | 1 | |
| Smith County | $2,914 | $3,586 | 15 | |
| Rhea County | $2,395 | $3,034 | 10 | |
| Houston County | $2,193 | $2,660 | 2 | |
| Humphreys County | $2,109 | $2,598 | 6 | |
| Wayne County | $2,019 | $2,624 | 4 | |
| Maury County | $1,909 | $2,340 | 15 | |
| Hickman County | $1,903 | $2,515 | 8 | |
| Lincoln County | $1,883 | $2,429 | 5 | |
| Hamilton County | $1,834 | $2,311 | 106 | |
| DeKalb County | $1,747 | $2,133 | 2 | |
| Jefferson County | $1,737 | $2,178 | 12 | |
| Marion County | $1,687 | $2,147 | 8 | |
| Warren County | $1,681 | $2,280 | 3 | |
| Bradley County | $1,638 | $2,085 | 28 | |
| Cheatham County | $1,631 | $2,050 | 30 | |
| Meigs County | $1,534 | $1,882 | 1 | |
| Anderson County | $1,500 | $2,003 | 7 | |
| Polk County | $1,495 | $1,949 | 2 | |
| Blount County | $1,464 | $1,896 | 21 | |
| Marshall County | $1,455 | $1,821 | 14 | |
| Clay County | $1,440 | $1,772 | 3 | |
| Sullivan County | $1,428 | $1,849 | 39 | |
| Dickson County | $1,415 | $1,854 | 2 | |
| Washington County | $1,382 | $1,816 | 22 | |
| Sevier County | $1,366 | $1,751 | 124 | |
| Putnam County | $1,339 | $1,727 | 9 | |
| Claiborne County | $1,319 | $1,703 | 3 | |
| Davidson County | $1,285 | $1,632 | 539 | |
| Sumner County | $1,261 | $1,606 | 59 | |
| Bedford County | $1,256 | $1,554 | 2 | |
| Van Buren County | $1,241 | $1,761 | 1 | |
| Obion County | $1,227 | $1,633 | 12 | |
| Coffee County | $1,212 | $1,559 | 8 | |
| Montgomery County | $1,182 | $1,534 | 27 | |
| Johnson County | $1,180 | $1,520 | 4 | |
| Trousdale County | $1,166 | $1,505 | 4 | |
| Giles County | $1,156 | $1,523 | 13 | |
| Rutherford County | $1,152 | $1,471 | 120 | |
| Williamson County | $1,107 | $1,424 | 103 | |
| Franklin County | $1,097 | $1,442 | 6 | |
| Weakley County | $1,094 | $1,363 | 4 | |
| Perry County | $1,072 | $1,477 | 8 | |
| Gibson County | $1,070 | $1,386 | 13 | |
| White County | $1,056 | $1,318 | 3 | |
| Wilson County | $1,034 | $1,359 | 58 | |
| Macon County | $1,016 | $1,271 | 2 | |
| Stewart County | $997 | $1,248 | 2 | |
| Knox County | $988 | $1,290 | 85 | |
| Monroe County | $986 | $1,310 | 6 | |
| Scott County | $969 | $1,215 | 1 | |
| Hamblen County | $961 | $1,238 | 7 | |
| Loudon County | $937 | $1,209 | 7 | |
| Carter County | $913 | $1,191 | 22 | |
| Henry County | $898 | $1,172 | 17 | |
| Cannon County | $896 | $1,129 | 4 | |
| Greene County | $893 | $1,146 | 11 | |
| Hawkins County | $891 | $1,199 | 6 | |
| McMinn County | $889 | $1,177 | 8 | |
| Shelby County | $887 | $1,158 | 207 | |
| Decatur County | $871 | $1,238 | 13 | |
| Haywood County | $848 | $1,073 | 4 | |
| Tipton County | $823 | $1,114 | 16 | |
| Madison County | $802 | $1,089 | 19 | |
| Hancock County | $788 | $1,091 | 5 | |
| Lawrence County | $776 | $1,213 | 1 | |
| Roane County | $675 | $906 | 6 | |
| Benton County | $665 | $932 | 3 | |
| Sequatchie County | $652 | $916 | 3 | |
| Fentress County | $641 | $940 | 2 | |
| Hardin County | $639 | $931 | 15 | |
| Lauderdale County | $633 | $909 | 5 | |
| Dyer County | $622 | $901 | 19 | |
| Robertson County | $584 | $818 | 4 | |
| Union County | $548 | $719 | 1 | |
| Fayette County | $545 | $782 | 10 | |
| Carroll County | $452 | $830 | 1 | |
| Cumberland County | $441 | $592 | 3 | |
| Campbell County | $433 | $744 | 7 | |
| Unicoi County | $385 | $716 | 38 | |
| Chester County | $347 | $481 | 1 | |
| Grainger County | $288 | $637 | 1 | |
| FIPS 47000 | $277 | $623 | 2 | |
| Lake County | $269 | $502 | 2 | |
| Hardeman County | $240 | $355 | 1 |
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, July 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.