Home Insurance in Spring Hill, Tennessee
With a median home value of $493,800, Spring Hill is 39% higher than the Maury County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Spring Hill was built around 2009. About 2% of homes were built before 1960, about 15 points below Maury County's 17%.
In Spring Hill, the housing stock is 84% single-family homes and 13% apartments in buildings with 5+ units.
80% of owner-occupied homes in Spring Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Spring Hill are owner-occupied.
In Spring Hill, 52% 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.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $493,800 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)