Home Insurance in Dickson, Tennessee
Homes in Dickson carry a median value of $292,600 - close to the Dickson County median.
The typical home in Dickson was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 6 points above Dickson County's 16%.
Housing in Dickson breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
65% of owner-occupied homes in Dickson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Dickson are owner-occupied.
In Dickson, 49% of homes are primarily heated with natural gas.
Dickson County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Dickson County had 70 active NFIP flood policies as of September 2026. See the full Dickson 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 | $292,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Dickson County | 70 |
| 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)