Home Insurance in Arlington, Tennessee
The median home value in Arlington is $424,400, 70% higher than the Shelby County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Arlington was built around 2005. About 7% of homes were built before 1960, about 20 points below Shelby County's 27%.
The housing stock in Arlington is 93% single-family homes and 6% apartments in buildings with 5+ units.
83% of owner-occupied homes in Arlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Arlington are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Arlington are primarily heated with natural gas.
Shelby County had 2,196 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Shelby 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 | $424,400 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Shelby County | 2,196 |
| 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)