Home Insurance in Saulsbury, Tennessee
With a median home value of $103,400, Saulsbury is 15% lower than the Hardeman County median.
The typical home in Saulsbury was built around 2010. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 4 points below Hardeman County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Saulsbury is 76% single-family homes and 24% mobile or manufactured homes.
About 1% of owner-occupied homes in Saulsbury have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Saulsbury are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Saulsbury - 62% - are primarily heated with natural gas.
FEMA rates Hardeman County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $103,400 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 1% |
| 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)