Home Insurance in Nashville, Georgia
Homes in Nashville carry a median value of $133,900 - close to the Berrien County median.
The typical home in Nashville was built around 1978. About 23% of homes were built before 1960, about 7 points above Berrien County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nashville is 71% single-family homes, 10% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
44% of owner-occupied homes in Nashville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 48% of occupied homes in Nashville are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nashville, 89% of homes are primarily heated with electricity.
Berrien County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Berrien County had 33 active NFIP flood policies as of September 2026. See the full Berrien County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $133,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Berrien County | 33 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)