Home Insurance in Ashland City, Tennessee
Homes in Ashland City carry a median value of $294,100 - 13% lower than the Cheatham County median.
The typical home in Ashland City was built around 2002. About 8% of homes were built before 1960, about 2 points below Cheatham County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Ashland City is 59% single-family homes, 35% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Ashland City, about 72% 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 62% of occupied homes in Ashland City are owner-occupied.
In Ashland City, 80% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ashland City? FEMA's National Risk Index points to earthquake (Relatively Low) in Cheatham County and Cheatham County had 416 active NFIP flood policies as of September 2026. See the full Cheatham 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 | $294,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Cheatham County | 416 |
| 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)