Home Insurance in Mitchellville, Tennessee
The median home value in Mitchellville is $157,800, 60% lower than the Sumner County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mitchellville was built around 1978. About 30% of homes were built before 1960, about 23 points above Sumner County's 7%.
The housing stock in Mitchellville is 58% single-family homes and 42% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Mitchellville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Mitchellville are owner-occupied.
52% of homes in Mitchellville 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 | $157,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)