Centerville, TN Insurance Guide — Local Risks & Coverage
Licensed insurance agent, BNW Services LLC · 40 years in trucking & the trades
Here's the local picture for insurance in Centerville, Tennessee — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 69+ carriers.
Insurance in Centerville: a local agent's take
Living here in Centerville, especially with the Duck River running through town, means we've got to be smart about our insurance. That significant May 2010 flood was a real wake-up call, so flood insurance isn't just a suggestion, it's a necessity for many of us, particularly if you're close to the water. Beyond that, our weather can be wild. We've got a higher-than-average tornado risk and frequent hail events – just last year saw 5 radar-detected hail occurrences. That means robust dwelling coverage for your home, and comprehensive coverage for your vehicles, is absolutely critical to protect against those unexpected storms that can bring heavy winds and damaging hail.
Our housing stock is a real mix. Around the historic public square, you'll find older homes, some with brick and stone, aiming to keep that 'bygone era' character. For these, replacement cost coverage needs careful attention to ensure unique materials and craftsmanship are accounted for, not just standard construction costs. Then, looking at Hickman County trends, we also have a notable number of manufactured homes. If you own one of these, specialized manufactured home policies are essential, as they often have different coverage needs than traditional stick-built homes. Whether your home was built decades ago or more recently, making sure your dwelling and personal property coverage limits are adequate for today's costs is key.
From our local businesses like Maxwell Septic Pumping and Byler and Sons Roofing to larger employers like the Hickman County School District and Ascension Saint Thomas Hickman Hospital, there's a lot of activity. These businesses need solid commercial insurance, including general liability and workers' compensation, to protect their operations and employees. And with TN State Route 100 being a main artery, good auto insurance, with sufficient liability and uninsured/underinsured motorist coverage, is important for everyone on the road, whether commuting to work or just heading to Andy's Farm.
The Centerville economy & who needs coverage
The local job base in Hickman County, where Centerville is the county seat, employs 11.5k people. Agriculture is a significant industry, with a direct output of $150.9 million in 2021, and the county promotes a skilled workforce, strategic location, and competitive business costs. (Sources: https://datausa.io/profile/geo/hickman-county-tn, https://grokipedia.com/page/Centerville,_Tennessee, https://hickmantnecd.com/)
Major employers & who's hiring in Centerville
- Hickman County School District — Education (hiring)
- Ascension Saint Thomas Hickman Hospital — Healthcare (hiring)
Local businesses in Centerville
A few local businesses that make Centerville what it is — independent of our agency.
- Maxwell Septic Pumping — Septic Services
- Andy's Farm — Farm
- Jacobs Custom Auto Body — Auto Shop
- Byler and Sons Roofing — Roofing
Local landmarks & geography
- Duck River — The town overlooks the Duck River, which has documented flood advisories, indicating a flood risk for properties in its vicinity.
- James Buchanan Walker House — Listed on the National Register of Historic Places, indicating historical significance that can affect property value and specialized insurance needs.
- Meriwether Lewis National Monument — Located nearby in Hohenwald, TN, this national monument can influence local tourism and property values in the surrounding area.
- Tennessee State Route 100 — As the main road running through Centerville, it affects accessibility, traffic patterns, and potential for road-related incidents, impacting commercial and residential property risk and value.
Housing stock in Centerville
Centerville's housing stock likely includes older homes, particularly around its historic public square, with some brick and stone construction evident in real estate listings. The town aims to retain the "character of a bygone era." Specific details on typical age, the prevalence of frame or manufactured homes, new subdivisions, or their direct implications for replacement cost/roof were not readily available from reliable sources. (Sources: https://centervilletn.org/, https://homes.trovit.com/tn-centerville, https://discover.hubpages.com/education/The-Burning-of-Centerville-and-Vernon-Tennessee-Durning-the-Civil-War)
Weather & flood risk in Centerville
Centerville, TN experiences a slightly above-average tornado risk compared to the state and significantly higher than the U.S. average. The area has also seen frequent hail events, with 11 reports of on-the-ground hail and 82 radar-detected hail occurrences, including 5 in the last year, and 89 severe weather warnings over the past 12 months.
Centerville, TN, situated on the Duck River, faces a risk of occasional flooding, evidenced by significant historical events such as the May 2010 flood that impacted Middle Tennessee.
Local facts that affect Centerville insurance
- Centerville, TN, had a population of 3,489 as of the 2020 Census. — Population context for the town.
- The Centerville area's historical tornado activity is 81% greater than the overall U.S. average. — Quantifies severe weather risk.
- Centerville, TN, is located on the Duck River, which has a history of occasional flooding, including a significant event in May 2010. — Directly relates to flood risk and geographical context.
- The Centerville, TN area has had 11 reports of on-the-ground hail and 82 radar-detected hail events, including 5 in the past year. — Specific data on a severe weather hazard.
- The population of Centerville, Tennessee was 3,489 as of the 2020 Census. — Provides context for the size of the community and its insurance market.
- In Hickman County, the median property value in 2024 was $224,100, and the median year built for housing units was 1985, with a significant portion of housing units being 1-unit detached or mobile homes. — Indicates property values for setting coverage limits and highlights the prevalence of older homes and manufactured homes, requiring specific types of coverage.
Get covered in Centerville
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Sources: en.wikipedia.org · city-data.com · grokipedia.com · interactivehailmaps.com · datausa.io · tnhickmancs.schoolinsites.com · en.wikipedia.org · mapquest.com · en.wikipedia.org