Home Insurance in Gallatin, Tennessee
With a median home value of $372,000, Gallatin is 5% lower than the Sumner County median.
The typical home in Gallatin was built around 2004. About 11% of homes were built before 1960, about 3 points above Sumner County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gallatin, the housing stock is 65% single-family homes, 26% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gallatin, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gallatin has an owner-occupancy rate of 57% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Gallatin - 56% - are primarily heated with electricity.
Sumner County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Sumner County had 670 active NFIP flood policies as of September 2026. See the full Sumner 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 | $372,000 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sumner County | 670 |
| 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)