Home Insurance in Henderson, Tennessee
The median home value in Henderson is $147,900, 10% lower than the Chester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Henderson was built around 1979. About 25% of homes were built before 1960, about 8 points above Chester County's 17%.
Housing in Henderson breaks down to 77% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Henderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Henderson are owner-occupied.
Most homes in Henderson - 56% - are primarily heated with natural gas.
What's the biggest home insurance risk near Henderson? FEMA's National Risk Index points to earthquake (Relatively Low) in Chester County and Chester County had 9 active NFIP flood policies as of September 2026. See the full Chester 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 | $147,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Chester County | 9 |
| 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)