Home Insurance in Murfreesboro, Tennessee
With a median home value of $402,100, Murfreesboro is 5% higher than the Rutherford County median.
The typical home in Murfreesboro was built around 2002. About 7% of homes were built before 1960, in line with Rutherford County (7%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Murfreesboro, the housing stock is 62% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Murfreesboro, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Murfreesboro are owner-occupied.
Most homes in Murfreesboro - 75% - are primarily heated with electricity.
Rutherford County had 1,251 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Rutherford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $402,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 52% |
| 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)