Home Insurance in Brentwood, Tennessee
The median home value in Brentwood is $1,031,300, 37% higher than the Williamson County median.
The typical home in Brentwood was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 3 points below Williamson County's 4%.
In Brentwood, the housing stock is 91% single-family homes and 8% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Brentwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Brentwood are owner-occupied.
In Brentwood, 73% of homes are primarily heated with natural gas.
Williamson County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Williamson County had 1,382 active NFIP flood policies as of September 2026. See the full Williamson 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 | $1,031,300 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Williamson County | 1,382 |
| 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)