Home Insurance in Davidson County, Tennessee
The median home value in Davidson County is $417,400, 46% higher than the Tennessee median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Davidson County was built around 1986. About 18% of homes were built before 1960, in line with Tennessee (18%).
In Davidson County, the housing stock is 59% single-family homes, 33% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Davidson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Davidson County has an owner-occupancy rate of 53% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Davidson County, 67% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Davidson County's top hazards are earthquake (Relatively High), inland flooding (Relatively High) and tornado (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Davidson County had 4,689 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $417,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively High), Inland Flooding (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 4,689 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)