Home Insurance in Pulaski, Tennessee
Homes in Pulaski carry a median value of $194,400 - 17% lower than the Giles County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pulaski was built around 1977. About 17% of homes were built before 1960, about 2 points below Giles County's 19%.
The housing stock in Pulaski is 65% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Pulaski have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pulaski has an owner-occupancy rate of 47% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Pulaski - 59% - are primarily heated with electricity.
Giles County had 134 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Giles County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $194,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)