Home Insurance in Coopertown, Tennessee
The median home value in Coopertown is $421,500, 26% higher than the Robertson County median.
The typical home in Coopertown was built around 1997. About 7% of homes were built before 1960, about 6 points below Robertson County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Coopertown, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Coopertown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Coopertown are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Coopertown are primarily heated with electricity.
Robertson County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $421,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)