Home Insurance in Hickory Valley, Tennessee
The median home value in Hickory Valley is $105,700, 13% lower than the Hardeman County median.
The typical home in Hickory Valley was built around 1954. About 59% of homes were built before 1960, about 42 points above Hardeman County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hickory Valley, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hickory Valley, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Hickory Valley are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Hickory Valley are primarily heated with natural gas.
What's the biggest home insurance risk near Hickory Valley? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Hardeman County and Hardeman County had 7 active NFIP flood policies as of September 2026. See the full Hardeman County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $105,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Hardeman County | 7 |
| 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)