Home Insurance in Hendersonville, Tennessee
Homes in Hendersonville carry a median value of $430,700 - 10% higher than the Sumner County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hendersonville was built around 1989. About 4% of homes were built before 1960, about 3 points below Sumner County's 7%.
In Hendersonville, the housing stock is 78% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hendersonville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Hendersonville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Hendersonville are primarily heated with electricity.
FEMA rates Sumner County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $430,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)