Home Insurance in Bartlett, Tennessee
The median home value in Bartlett is $310,400, 25% higher than the Shelby County median.
The typical home in Bartlett was built around 1992. About 5% of homes were built before 1960, about 22 points below Shelby County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bartlett, the housing stock is 92% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Bartlett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bartlett has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
57% of homes in Bartlett are primarily heated with natural gas.
Shelby County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Shelby County had 2,196 active NFIP flood policies as of September 2026. See the full Shelby 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 | $310,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)