Home Insurance in Lauderdale County, Tennessee
With a median home value of $143,200, Lauderdale County is 50% lower than the Tennessee median.
The typical home in Lauderdale County was built around 1981. About 21% of homes were built before 1960, about 4 points above Tennessee's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lauderdale County is 77% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Lauderdale County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lauderdale County has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Lauderdale County, 52% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Lauderdale County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lauderdale County has 76 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 | $143,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 76 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Gates
- Median home value: $96,300
- Median year built: 1971
- Owner-occupied share: 40%
-
Halls
- Median home value: $137,200
- Median year built: 1977
- Owner-occupied share: 52%
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)