Home Insurance in Mason, Tennessee
Homes in Mason carry a median value of $138,100 - 43% lower than the Tipton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mason was built around 1995. About 13% of homes were built before 1960, in line with Tipton County (13%).
In Mason, the housing stock is 70% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mason, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Mason are owner-occupied.
Most homes in Mason - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Mason? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Tipton County and 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 | $138,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)