Home Insurance in Goodlettsville, Tennessee
With a median home value of $381,900, Goodlettsville is close to the Sumner County median.
The typical home in Goodlettsville was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 3 points above Sumner County's 7%.
The housing stock in Goodlettsville is 65% single-family homes, 27% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Goodlettsville, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Goodlettsville has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Goodlettsville, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Goodlettsville? FEMA's National Risk Index points to tornado (Relatively High) in Sumner County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $381,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 61% |
| 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)