Home Insurance in Forest Hills, Tennessee
With a median home value of $1,413,100, Forest Hills is 239% higher than the Davidson County median.
The typical home in Forest Hills was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 8 points above Davidson County's 18%.
The housing stock in Forest Hills is 99% single-family homes.
About 55% of owner-occupied homes in Forest Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Forest Hills are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Forest Hills, 70% of homes are primarily heated with natural gas.
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.
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 | $1,413,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)