Home Insurance in Thompson's Station, Tennessee
Homes in Thompson's Station carry a median value of $700,500 - 7% lower than the Williamson County median.
The typical home in Thompson's Station was built around 2013. About 5% of homes were built before 1960, in line with Williamson County (4%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Thompson's Station, the housing stock is 90% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 75% of owner-occupied homes in Thompson's Station have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Thompson's Station are owner-occupied.
51% of homes in Thompson's Station are primarily heated with natural gas.
What's the biggest home insurance risk near Thompson's Station? FEMA's National Risk Index points to earthquake (Relatively Low) in Williamson County and 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.
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 | $700,500 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)