Home Insurance in Orlinda, Tennessee
The median home value in Orlinda is $355,400, 6% higher than 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 Orlinda was built around 1989. About 33% of homes were built before 1960, about 20 points above Robertson County's 12%.
Housing in Orlinda breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Orlinda, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Orlinda are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Orlinda, 57% of homes are primarily heated with electricity.
FEMA rates Robertson County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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 | $355,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)