Home Insurance in Braden, Tennessee
The median home value in Braden is $280,000, 18% lower than the Fayette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Braden was built around 1978. About 27% of homes were built before 1960, about 20 points above Fayette County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Braden is 85% single-family homes and 15% mobile or manufactured homes.
About 60% of owner-occupied homes in Braden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Braden are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Braden - 57% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fayette County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Fayette County had 83 active NFIP flood policies as of September 2026. See the full Fayette 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 | $280,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Fayette County | 83 |
| 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)