Home Insurance in Mount Juliet, Tennessee
The median home value in Mount Juliet is $460,100, 8% higher than the Wilson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mount Juliet was built around 2006. About 1% of homes were built before 1960, about 6 points below Wilson County's 7%.
Housing in Mount Juliet breaks down to 81% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Mount Juliet have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mount Juliet has an owner-occupancy rate of 72% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
57% of homes in Mount Juliet are primarily heated with natural gas.
Wilson County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Wilson County had 708 active NFIP flood policies as of September 2026. See the full Wilson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $460,100 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
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)