Home Insurance in Livingston, Tennessee
With a median home value of $123,000, Livingston is 29% lower than the Overton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Livingston was built around 1972. About 32% of homes were built before 1960, about 12 points above Overton County's 19%.
In Livingston, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Livingston, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Livingston are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Livingston are primarily heated with electricity.
FEMA rates Overton County's overall risk as Very Low, led by winter weather (Relatively Low). Overton County had 19 active NFIP flood policies as of September 2026. See the full Overton 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 | $123,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Overton County | 19 |
| 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)