Home Insurance in Hardeman County, Tennessee
With a median home value of $121,700, Hardeman County is 58% lower than the Tennessee median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hardeman County was built around 1982. About 17% of homes were built before 1960, in line with Tennessee (18%).
The housing stock in Hardeman County is 76% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hardeman County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hardeman County has an owner-occupancy rate of 72% and a vacancy rate of 15%; 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. 47% of homes in Hardeman County are primarily heated with electricity.
The top hazards for Hardeman County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), tornado (Relatively Moderate) and hurricane (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hardeman County had 7 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $121,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)