Home Insurance in Bell Buckle, Tennessee
Homes in Bell Buckle carry a median value of $306,600 - 9% higher than the Bedford County median.
The typical home in Bell Buckle was built around 1963. About 48% of homes were built before 1960, about 32 points above Bedford County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Bell Buckle is 98% single-family homes and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Bell Buckle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Bell Buckle are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bell Buckle, 71% of homes are primarily heated with electricity.
Bedford County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Bedford 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 Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $306,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bedford County | 53 |
| Home insurance premium | $1,649 - 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)