Home Insurance in Cottage Grove, Tennessee
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cottage Grove was built around 1990. About 27% of homes were built before 1960, about 8 points above Henry County's 19%.
The housing stock in Cottage Grove is 69% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Cottage Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Cottage Grove are owner-occupied.
69% of homes in Cottage Grove are primarily heated with electricity.
What's the biggest home insurance risk near Cottage Grove? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Henry County and Henry County had 109 active NFIP flood policies as of September 2026. See the full Henry 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 year built | 1990 |
|---|---|
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Henry County | 109 |
| 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)