Home Insurance in Piperton, Tennessee
The median home value in Piperton is $618,800, 82% higher than the Fayette County median.
The typical home in Piperton was built around 2006. About 3% of homes were built before 1960, about 4 points below Fayette County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Piperton is 98% single-family homes and 2% mobile or manufactured homes.
55% of owner-occupied homes in Piperton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Piperton has an owner-occupancy rate of 92% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Piperton - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Piperton? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Fayette County and 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.
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 | $618,800 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)