Home Insurance in Kingston Springs, Tennessee
With a median home value of $426,500, Kingston Springs is 26% higher than the Cheatham County median.
The typical home in Kingston Springs was built around 1992. About 5% of homes were built before 1960, about 5 points below Cheatham County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kingston Springs is 93% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
63% of owner-occupied homes in Kingston Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Kingston Springs are owner-occupied.
In Kingston Springs, 61% of homes are primarily heated with natural gas.
Cheatham County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $426,500 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)