Home Insurance in Rutherford, Tennessee
With a median home value of $93,900, Rutherford is 40% lower than the Gibson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rutherford was built around 1968. About 28% of homes were built before 1960, in line with Gibson County (28%).
Housing in Rutherford breaks down to 90% single-family homes and 3% mobile or manufactured homes.
About 46% of owner-occupied homes in Rutherford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rutherford has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Rutherford, 53% 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.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $93,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)