Home Insurance in Bruceton, Tennessee
Homes in Bruceton carry a median value of $131,300 - 8% lower than the Carroll County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bruceton was built around 1964. About 42% of homes were built before 1960, about 18 points above Carroll County's 24%.
Housing in Bruceton breaks down to 84% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
49% of owner-occupied homes in Bruceton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bruceton has an owner-occupancy rate of 72% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Bruceton, 65% of homes are primarily heated with natural gas.
Carroll County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Carroll County had 23 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $131,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Carroll County | 23 |
| 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)