Home Insurance in Hartsville/Trousdale County, Tennessee
Homes in Hartsville/Trousdale County carry a median value of $337,600 - close to the Trousdale County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hartsville/Trousdale County was built around 1989. About 12% of homes were built before 1960, in line with Trousdale County (12%).
The housing stock in Hartsville/Trousdale County is 72% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Hartsville/Trousdale County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Hartsville/Trousdale County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Hartsville/Trousdale County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hartsville/Trousdale County? FEMA's National Risk Index points to earthquake (Very Low) in Trousdale County and Trousdale County had 19 active NFIP flood policies as of September 2026. See the full Trousdale County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $337,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Trousdale County | 19 |
| 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)