Home Insurance in Sardis, Tennessee
With a median home value of $116,800, Sardis is 29% lower than the Henderson County median.
The typical home in Sardis was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 9 points above Henderson County's 13%.
In Sardis, the housing stock is 74% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Sardis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sardis has an owner-occupancy rate of 76% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
56% of homes in Sardis are primarily heated with natural gas.
Henderson County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Henderson 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 | $116,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Henderson County | 23 |
| 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)