Home Insurance in Red Boiling Springs, Tennessee
With a median home value of $194,400, Red Boiling Springs is 14% lower than the Macon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Red Boiling Springs was built around 1977. About 18% of homes were built before 1960, about 4 points above Macon County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Red Boiling Springs is 63% single-family homes, 14% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
45% of owner-occupied homes in Red Boiling Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 47% of occupied homes in Red Boiling Springs are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Red Boiling Springs - 68% - are primarily heated with electricity.
FEMA rates Macon County's overall risk as Very Low, led by earthquake (Relatively Low). Macon County had 15 active NFIP flood policies as of September 2026. See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $194,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Macon County | 15 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Nearby towns
- Lafayette
- Gainesboro
- Celina
- Hartsville/Trousdale County
- Carthage
- South Carthage
- Westmoreland
- Gordonsville
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)