Home Insurance in Oak Hill, Tennessee
The median home value in Oak Hill is $1,199,600, 187% higher than the Davidson County median.
The typical home in Oak Hill was built around 1958. About 58% of homes were built before 1960, about 40 points above Davidson County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Oak Hill breaks down to 99% single-family homes.
About 54% of owner-occupied homes in Oak Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oak Hill has an owner-occupancy rate of 95% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Oak Hill - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Oak Hill? FEMA's National Risk Index points to earthquake (Relatively High) in Davidson County and 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 | $1,199,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)