Home Insurance in Smyrna, Tennessee
Homes in Smyrna carry a median value of $358,300 - 6% lower than the Rutherford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Smyrna was built around 2000. About 7% of homes were built before 1960, in line with Rutherford County (7%).
The housing stock in Smyrna is 69% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 73% of owner-occupied homes in Smyrna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Smyrna has an owner-occupancy rate of 57% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Smyrna - 70% - are primarily heated with electricity.
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.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $358,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)