Shopping home coverage for a Tracy City household can be simple; Freedom Insurance Group helps. Phone (800) 253-1482 or ask for a quote online.
Home insurance rates in Tracy City, TN
| Scenario | Market estimate | FIG illustrated (38% less) |
|---|---|---|
| Typical Tracy City home (~$116,000) | $1,590/yr | $986/yr |
| $300,000 dwelling | $2,130/yr | $1,321/yr |
| $600,000 dwelling | $2,997/yr | $1,858/yr |
| $1,000,000 dwelling | $3,900/yr | $2,418/yr |
The typical homeowners insurance premium in Tracy City, TN is about $1,590 annually for a typical local home (typical local home value about $116,000). For a $300,000 dwelling, expect around $2,130 per year; for a $600,000 home about $2,997; and for a $1,000,000 dwelling about $3,900. Freedom Insurance Group rates are often about 38% lower — near $986 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,656 |
| $200,000 – $300,000 | $1,851 |
| $300,000 – $400,000 | $2,272 |
| $400,000 – $500,000 | $2,572 |
| $500,000 – $600,000 | $2,864 |
| $600,000 – $700,000 | $3,092 |
| $700,000 – $800,000 | $3,280 |
| $800,000 – $900,000 | $3,528 |
| $900,000 – $1,000,000 | $3,776 |
Band premiums are midpoints on the Tracy City dwelling curve (typical local home value about $116,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Tracy City, TN, using a typical local home value of about $116,000. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Tracy City
A handful of connected factors shape what Tracy City homeowners pay, and carriers review them together while pricing. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. Because the carrier’s top payout climbs with the rebuild estimate, larger figures for Tracy City properties generally raise premiums.
Frame or masonry walls, what the roof is made of, and how well the house is built each affect how the home holds up in Tennessee’s wind, hail, and fire events, so construction type and roof details count.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Tracy City, so two homes with similar rebuild costs can still get different prices.
Fire protection looks at how far the home sits from hydrants and stations plus the area’s protection class, and stronger protection profiles can support lower premiums.
Underwriters review claims history on every quote; a recent loss tied to the home or the people in it tend to push Tracy City renewals and new quotes higher.
Credit-based insurance score can move the price where it is permitted: insurers relying on it generally offer lower premiums for stronger scores.
About Tracy City, TN
Tracy City has about 1,435 residents within Tennessee.
Tracy City is not known for big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Most homes are single-family properties like those across Tennessee; replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee pricing often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Discounts for Tracy City, TN homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Not every carrier offers every discount, and the amounts vary. Read “up to” as the maximum, not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. Set it to follow reconstruction costs in your area.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Valuables like jewelry may have special limits.
- Coverage D, loss of use: Extra living expenses until repairs are done after a covered claim makes it unlivable.
- Personal liability (E): Coverage for times when you are legally on the hook for another person’s injury or property damage from a covered incident.
- Medical payments (Coverage F): It can help pay guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Tracy City, TN home and auto bundling
The amounts shown are illustrated averages for bundling, not a quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Tracy City, Tennessee | $256 | $546 | $708 |
What public data says about Tracy City homes
For heat, Tracy City households mostly rely on electricity (73%), propane or other bottled gas (24%), and utility gas (3.1%). Wood stoves and propane tanks should be disclosed when you apply, because some carriers price or inspect them.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Grundy County.
The Census Bureau’s 2020–2024 American Community Survey counts about 710 housing units in Tracy City, and owner-occupants live in close to 60% of the occupied homes. Looking at building types, 68% are detached single-family houses, 22% are in buildings with two or more units, and 9.7% are mobile homes.
Named communities and subdivisions in USGS place-name records near Tracy City include Sanders Crossing, Lankford Town, and Hobbs Hill. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
The median home in Tracy City was built in 1977. Roughly 57% of homes were built before 1980, which means wiring, plumbing, and roof updates can change eligibility and price.
Tornado history matters here as well: NOAA logged 4 tornadoes touching down within 10 miles of Tracy City between 2016 and 2025, the strongest rated EF2 during November 2018.
Since 2000, Grundy County has been part of 7 major disaster declarations; the latest was Severe Winter Storm (February 2026).
NOAA lists no hail reports plotted within about 5 miles of Tracy City for 2016–2025, though Grundy County recorded 3 hail reports countywide, topping out at 1.75 inches.
By the historical record, Tracy City was incorporated in 1915. It takes its name from Samuel Franklin Tracy. The Census Bureau counted 1,679 people in Tracy City at the 2000 Census and 1,481 at the 2010 Census; its July 2024 estimate is 1,446. The town has about 14% fewer people than in 2000.
Earlier hail records help too: the Storm Prediction Center lists 13 hail reports within 5 miles of Tracy City between 1955 and 2015, topped by hail of 1.75 inches on July 25, 1983. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Tracy City from 1950 through 2015, the strongest an F3 on February 13, 1952.
Comparing homes in nearby towns? See our home insurance pages for Monteagle (6 mi), Gruetli-Laager (10 mi), and Sewanee (10 mi).
Tracy City-area ZIP codes we insure
37387
Keep exploring Tennessee coverage options
Price homeowners coverage in Tracy City, TN
Freedom Insurance Group compares 25+ carriers on behalf of Tracy City homeowners. Next step: begin a home quote online or call (800) 253-1482.
