Home Insurance in Eagleville, Tennessee
Homes in Eagleville carry a median value of $416,700 - 9% higher than the Rutherford County median.
The typical home in Eagleville was built around 1989. About 22% of homes were built before 1960, about 15 points above Rutherford County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Eagleville, the housing stock is 93% single-family homes, 1% 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 Eagleville, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Eagleville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Eagleville are primarily heated with natural gas.
FEMA rates Rutherford County's overall risk as Relatively Moderate, led by winter weather (Very High). Rutherford County had 1,251 active NFIP flood policies as of September 2026. See the full Rutherford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $416,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Rutherford County | 1,251 |
| 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)