Home Insurance in Greenbrier, Tennessee
Homes in Greenbrier carry a median value of $321,900 - close to the Robertson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greenbrier was built around 1997. About 11% of homes were built before 1960, about 1 point below Robertson County's 12%.
In Greenbrier, the housing stock is 84% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Greenbrier, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Greenbrier are owner-occupied.
Most homes in Greenbrier - 57% - are primarily heated with natural gas.
What's the biggest home insurance risk near Greenbrier? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $321,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)