Home Insurance in Springfield, Tennessee
With a median home value of $253,600, Springfield is 24% lower than the Robertson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Springfield was built around 1987. About 20% of homes were built before 1960, about 8 points above Robertson County's 12%.
In Springfield, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Springfield, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Springfield has an owner-occupancy rate of 56% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Springfield - 67% - 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.
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 | $253,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)