Home Insurance in Berry Hill, Tennessee
With a median home value of $607,000, Berry Hill is 45% higher than the Davidson County median.
The typical home in Berry Hill was built around 2013. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, about 10 points below Davidson County's 18%.
The housing stock in Berry Hill is 19% single-family homes and 78% apartments in buildings with 5+ units.
42% of owner-occupied homes in Berry Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 17% of occupied homes in Berry Hill are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Berry Hill - 75% - are primarily heated with electricity.
FEMA rates Davidson County's overall risk as Relatively High, led by earthquake (Relatively High). 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.
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 | $607,000 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 17% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)