Home Insurance in Tullahoma, Tennessee
With a median home value of $251,900, Tullahoma is close to the Coffee County median.
The typical home in Tullahoma was built around 1977. About 23% of homes were built before 1960, about 7 points above Coffee County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tullahoma is 74% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 58% of owner-occupied homes in Tullahoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Tullahoma are owner-occupied.
In Tullahoma, 65% of homes are primarily heated with electricity.
Coffee County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Coffee County had 111 active NFIP flood policies as of September 2026. See the full Coffee 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 | $251,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Coffee County | 111 |
| 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)