Home Insurance in Beersheba Springs, Tennessee
The median home value in Beersheba Springs is $101,000, 34% lower than the Grundy County median.
The typical home in Beersheba Springs was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 25 points above Grundy County's 19%.
The housing stock in Beersheba Springs is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Beersheba Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Beersheba Springs are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beersheba Springs, 61% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Grundy County's overall risk as Very Low, led by tornado (Relatively Moderate). Grundy County had 13 active NFIP flood policies as of September 2026. See the full Grundy 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 | $101,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Grundy County | 13 |
| 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)