Home Insurance in Burlison, Tennessee
The median home value in Burlison is $172,700, 28% lower than the Tipton County median.
The typical home in Burlison was built around 1981. About 18% of homes were built before 1960, about 5 points above Tipton County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Burlison, the housing stock is 89% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Burlison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Burlison are owner-occupied.
Most homes in Burlison - 63% - are primarily heated with natural gas.
Tipton County had 156 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Tipton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $172,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Tipton County | 156 |
| 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)