Home Insurance in Cedar Hill, Tennessee
Homes in Cedar Hill carry a median value of $182,100 - 46% lower than the Robertson County median.
The typical home in Cedar Hill was built around 1940. About 54% of homes were built before 1960, about 42 points above Robertson County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cedar Hill, the housing stock is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Cedar Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cedar Hill has an owner-occupancy rate of 76% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cedar Hill, 72% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cedar Hill? FEMA's National Risk Index points to earthquake (Relatively Low) in Robertson County and Robertson County had 61 active NFIP flood policies as of September 2026. See the full Robertson 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 | $182,100 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Robertson County | 61 |
| 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)