Home Insurance in Ripley, Tennessee
Homes in Ripley carry a median value of $154,900 - 8% higher than the Lauderdale County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ripley was built around 1975. About 29% of homes were built before 1960, about 8 points above Lauderdale County's 21%.
Housing in Ripley breaks down to 73% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ripley, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in Ripley are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ripley, 49% of homes are primarily heated with electricity.
FEMA rates Lauderdale County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Lauderdale County had 76 active NFIP flood policies as of September 2026. See the full Lauderdale 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 | $154,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lauderdale County | 76 |
| 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)