Home Insurance in Shelbyville, Tennessee
Homes in Shelbyville carry a median value of $244,000 - 13% lower than the Bedford County median.
The typical home in Shelbyville was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 6 points above Bedford County's 16%.
The housing stock in Shelbyville is 71% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Shelbyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shelbyville has an owner-occupancy rate of 51% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Shelbyville, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Shelbyville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Bedford County and Bedford County had 53 active NFIP flood policies as of September 2026. 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 | $244,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)