Home Insurance in Medina, Tennessee
With a median home value of $287,200, Medina is 83% higher than the Gibson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Medina was built around 2004. About 14% of homes were built before 1960, about 13 points below Gibson County's 28%.
In Medina, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Medina, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Medina are owner-occupied.
In Medina, 56% of homes are primarily heated with natural gas.
FEMA rates Gibson County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Gibson County had 126 active NFIP flood policies as of September 2026. See the full Gibson 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 | $287,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Gibson County | 126 |
| 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)