Home Insurance in Jackson, Tennessee
Homes in Jackson carry a median value of $217,800 - close to the Madison County median.
The typical home in Jackson was built around 1985. About 19% of homes were built before 1960, about 3 points above Madison County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Jackson is 67% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Jackson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jackson has an owner-occupancy rate of 51% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Jackson, 50% of homes are primarily heated with electricity.
Madison County had 221 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively High). See the full Madison 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 | $217,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Madison County | 221 |
| 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)