Home Insurance in Hickman County, Tennessee
The median home value in Hickman County is $224,100, 22% lower than the Tennessee median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hickman County was built around 1989. About 16% of homes were built before 1960, about 1 point below Tennessee's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hickman County is 72% single-family homes, 1% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
In Hickman County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Hickman County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hickman County - 70% - are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and strong wind (Relatively Low) as the leading hazards for Hickman County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hickman County has 58 active NFIP flood insurance policies. 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 | $224,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 58 |
| 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)