Home Insurance in Woodbury, Tennessee
With a median home value of $216,400, Woodbury is 14% lower than the Cannon County median.
The typical home in Woodbury was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 15 points above Cannon County's 18%.
The housing stock in Woodbury is 79% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Woodbury carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Woodbury are owner-occupied.
Most homes in Woodbury - 69% - are primarily heated with electricity.
Cannon County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Cannon 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 | $216,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Cannon 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)