Home Insurance in Collegedale, Tennessee
The median home value in Collegedale is $365,100, 17% higher than the Hamilton County median.
The typical home in Collegedale was built around 2005. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 21 points below Hamilton County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Collegedale is 48% single-family homes, 33% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Collegedale, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Collegedale has an owner-occupancy rate of 44% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
78% of homes in Collegedale are primarily heated with electricity.
Hamilton County had 1,842 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Hamilton 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 | $365,100 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hamilton County | 1,842 |
| 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)