Home Insurance in Mount Pleasant, Tennessee
With a median home value of $244,400, Mount Pleasant is 31% lower than the Maury County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mount Pleasant was built around 1981. About 32% of homes were built before 1960, about 15 points above Maury County's 17%.
The housing stock in Mount Pleasant is 75% single-family homes, 6% 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.
In Mount Pleasant, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Mount Pleasant are owner-occupied.
In Mount Pleasant, 54% of homes are primarily heated with electricity.
FEMA rates Maury County's overall risk as Relatively Low, led by tornado (Relatively High). Maury County had 202 active NFIP flood policies as of September 2026. See the full Maury County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $244,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Maury County | 202 |
| 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)