Home Insurance in Normandy, Tennessee
With a median home value of $202,800, Normandy is 28% lower than the Bedford County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Normandy was built around 1953. About 58% of homes were built before 1960, about 42 points above Bedford County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Normandy is 77% single-family homes and 15% mobile or manufactured homes.
In Normandy, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Normandy are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Normandy 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.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $202,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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
- Tullahoma
- Wartrace
- Manchester
- Bell Buckle
- Shelbyville
- Lynchburg, Moore County
- Estill Springs
- Decherd
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)