Home Insurance in Ardmore, Tennessee
Homes in Ardmore carry a median value of $168,100 - 28% lower than the Giles County median.
The typical home in Ardmore was built around 1992. About 14% of homes were built before 1960, about 5 points below Giles County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ardmore is 83% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
40% of owner-occupied homes in Ardmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ardmore has an owner-occupancy rate of 64% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 70% of homes in Ardmore are primarily heated with electricity.
FEMA rates Giles County's overall risk as Relatively Low, led by strong wind (Relatively High). Giles County had 134 active NFIP flood policies as of September 2026. See the full Giles County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $168,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Giles County | 134 |
| 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)