For Winfield residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Winfield
The typical homeowners insurance premium in Winfield, TN is about $1,560 annually for a typical local home (typical local home value about $101,000). 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 40% lower — near $936 per year for a typical home, roughly $1,278 for a $300,000 home, about $1,798 for a $600,000 home, and around $2,340 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 Winfield dwelling curve (typical local home value about $101,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Winfield, TN, using a typical local home value of about $101,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Winfield, TN
Winfield is a smaller place with about 951 residents, located in Scott County.
Winfield lacks big-city tourism headlines, so what matters for insurance is local construction, fire protection access, and regional storm patterns.
Housing here is a mix of single-family homes typical of the Scott County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee home premiums often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
The six parts of a home policy
This is the limit that pays to rebuild the structure of your home after a covered loss, and it should match local rebuilding costs today.
Sheds, fences, detached garages, and the like that stand apart from the house are protected by this part.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
Should you be held legally responsible for bodily injury or property damage to others after a covered incident, this coverage steps in.
If a visitor is injured at your home, this covers medical costs, frequently with no formal liability claim.
Savings opportunities for Winfield, 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% |
Discounts and their size depend on the carrier. Treat “up to” as the ceiling, not a guarantee.
What moves home insurance rates in Winfield
Pricing for a Winfield home comes from a handful of interlocking factors underwriters weigh as a group. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at today’s labor and supply prices sets what replacement cost captures. Since the carrier’s top payout climbs with the rebuild estimate, larger figures for Winfield houses generally raise premiums.
Whether walls are frame or masonry, the roof covering, and general construction quality all influence how the home holds up in the wind, hail, and fire common across Tennessee, so construction type and roof details count.
Location risk is the reason similar homes can price differently: carriers score storm, hail, wildfire, and crime exposure by ZIP code and neighborhood across Winfield.
A strong fire protection rating based on hydrant distance, station distance, and protection class often makes pricing more competitive.
Insurers look at claims history closely; recent claims on the property or household can push rates up for Winfield renewals and new policies.
Credit-based insurance score also plays a role in states that allow it: insurers relying on it generally offer lower premiums for stronger scores.
Home-and-auto bundles in Winfield, TN
Illustrated average bundle savings, not a guaranteed quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Winfield, Tennessee | $244 | $414 | $634 |
Winfield homes by the numbers
Since 2000, Scott County has been part of 12 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Home heating in Winfield runs mainly on utility gas (59%), electricity (36%), and propane or other bottled gas (4.0%). Propane tanks and wood stoves are items underwriters ask about, because some carriers price or inspect them.
ACS 2020–2024 estimates put about 518 housing units in Winfield, and homeowners occupy close to 82% of the occupied homes. Of all units, 54% are detached single-family houses and 38% are mobile homes.
The USGS GNIS lists these named communities and subdivisions in and around Winfield: Clay Hill, Piney Grove, and State Line. Older and newer sections can quote differently based on build era, roof, and fire protection.
The median home in Winfield was built in 1992. Ages are mixed: 26% predate 1980 and 7.7% went up in 2010 or later.
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Winfield from 2016 through 2025; it measured at least an inch. The biggest was 1.5 inches in April 2025 near Oneida.
FEMA’s National Risk Index flags winter-weather (“Relatively Moderate”) in Scott County.
Local history records show Winfield was incorporated in 1983. The Census Bureau counted 911 people in Winfield at the 2000 Census and 967 at the 2010 Census; its July 2024 estimate is 1,020. The population has stayed fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 5 hail reports within 5 miles of Winfield between 1955 and 2015; the biggest stones, 3 inches, fell on July 27, 2014. Reports of 2-inch or bigger hail number 2 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 4 tornadoes that began within 10 miles of Winfield from 1950 through 2015; the most powerful, rated F2, touched down on May 10, 1973.
Looking at neighboring communities? See our home insurance pages for Oneida (5 mi), Huntsville (11 mi), and Helenwood (11 mi).
ZIP codes we cover in and around Winfield
37892
More Tennessee coverage pages
Quote homeowners coverage in Winfield, TN
For Winfield residents, Freedom Insurance Group checks 25+ carriers. To get started, request a home quote online or call (800) 253-1482.
