Home Insurance in Belle Meade, Tennessee
Homes in Belle Meade carry a median value of $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Belle Meade was built around 1956. About 53% of homes were built before 1960, about 35 points above Davidson County's 18%.
In Belle Meade, the housing stock is 95% single-family homes and 3% apartments in buildings with 5+ units.
In Belle Meade, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Belle Meade are owner-occupied.
70% of homes in Belle Meade are primarily heated with natural gas.
Davidson County's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Davidson County had 4,689 active NFIP flood policies as of September 2026. See the full Davidson 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 | $2,000,000+ |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Davidson County | 4,689 |
| 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)