Home Insurance in Garland, Tennessee
Homes in Garland carry a median value of $234,200 - close to the Tipton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garland was built around 1987. About 12% of homes were built before 1960, about 1 point below Tipton County's 13%.
In Garland, the housing stock is 94% single-family homes.
About 65% of owner-occupied homes in Garland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Garland has an owner-occupancy rate of 77% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
77% of homes in Garland are primarily heated with natural gas.
FEMA rates Tipton County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Tipton County had 156 active NFIP flood policies as of September 2026. 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.
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 | $234,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)