Home Insurance in Ridgetop, Tennessee
The median home value in Ridgetop is $351,100, close to the Robertson County median.
The typical home in Ridgetop was built around 1983. About 15% of homes were built before 1960, about 3 points above Robertson County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Ridgetop breaks down to 94% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Ridgetop, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Ridgetop are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ridgetop - 52% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Robertson County had 61 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $351,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Greenbrier
- Millersville
- Goodlettsville
- White House
- Springfield
- Cross Plains
- Coopertown
- Hendersonville
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)