Home Insurance in Lebanon, Tennessee
The median home value in Lebanon is $378,400, 12% lower than the Wilson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lebanon was built around 2004. About 10% of homes were built before 1960, about 3 points above Wilson County's 7%.
The housing stock in Lebanon is 69% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Lebanon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Lebanon are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Lebanon are primarily heated with electricity.
Wilson County had 708 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Wilson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $378,400 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Wilson County | 708 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Nearby towns
- Mount Juliet
- Watertown
- Gallatin
- Hendersonville
- Hartsville/Trousdale County
- La Vergne
- Smyrna
- Alexandria
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)