Winfield, 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 Winfield, Tennessee — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Winfield: a local agent's take
Living here in Winfield, we know our homes are more than just houses—they're our roots. With a median housing value around $132,900 in Winfield and $124,900 across Scott County, and a strong homeownership rate, protecting that investment is key. Given that the average home in Winfield was built in 1992, many properties might have original roofs or systems that are approaching their typical lifespan. This is particularly important because we experience a notable risk of severe weather, especially hail. Robust roof coverage, including replacement cost value, is absolutely critical. Beyond hail, our region is susceptible to flash flooding during heavy rainfall, so it's vital to consider flood insurance, as standard homeowners policies won't cover that damage.
Our local economy, supported by employers like Tennier Industries and JDS Technologies, means a lot of us are commuting on U.S. Route 27 or other local roads. Reliable auto insurance isn't just a legal requirement; it's peace of mind for our daily drives. For homeowners, strong personal liability coverage is also a must, protecting against unexpected incidents on your property that could lead to costly claims.
For our local businesses—from manufacturers like JDS Technologies and American Bag Corp, to specialty shops like Neongeeks Neon, and our Big South Fork Medical Center—commercial insurance is far from a one-size-fits-all solution. These businesses need tailored commercial property coverage to protect their assets, general liability to cover daily operations, and workers' compensation for their employees. Specialized coverages, like product liability for our manufacturers or professional liability for the medical center, are also crucial to safeguard against the unique risks inherent in their operations.
The Winfield economy & who needs coverage
The local job base in Scott County, which includes Winfield, is supported by industries such as manufacturing, with Tennier Industries (clothing) being a major employer. Vocational education also plays a role, with the Tennessee College of Applied Technology-Oneida-Huntsville serving the region. (Sources: https://eteda.org/data-resources/major-employers/largest-employers/, https://datausa.io/profile/geo/scott-county-tn)
Major employers & who's hiring in Winfield
- JDS Technologies — Manufacturing (hiring)
- Neongeeks Neon — Signs & Advertising Specialties Manufacturing
- American Bag Corp — Manufacturing
- Big South Fork Medical Center — Healthcare (hiring)
- Scott County School System — Education
- Town of Winfield — Government/Public Administration
Local landmarks & geography
- Big South Fork of the Cumberland River — As part of the Big South Fork National River and Recreation Area, the river and its tributaries in Scott County (where Winfield is located) contribute to potential flood risk for properties within its floodplain or near its banks. It also enhances property values due to recreational opportunities.
- Historic Downtown Winfield — The presence of a historic downtown can affect property values positively due to character and charm. Properties within this district may also require specialized historic property insurance due to age, unique construction, and preservation requirements.
- Big South Fork National River and Recreation Area — Winfield is located near this large federal recreation area. Proximity to such a natural area can influence property values (desirability for recreation, tourism) and may pose increased wildfire risk in adjacent undeveloped areas, requiring specific insurance considerations.
- U.S. Route 27 — A major highway passing through or near Winfield. Proximity to a major thoroughfare can affect property values (both positively for commercial, negatively for residential due to noise/traffic), and increases the potential for vehicle-related incidents affecting nearby properties.
- Tennessee College of Applied Technology-Oneida/Huntsville — While not directly in Winfield, its proximity as a regional educational institution can influence local property values, rental market demand, and overall economic stability, which indirectly impacts insurance risk assessments.
- JDS Technologies Manufacturing Plant — A manufacturing facility in Winfield. Such industrial operations provide local employment, contributing to the economic stability and property values in the area. Industrial sites can also have specific insurance considerations related to environmental liabilities, specialized equipment, and potential for industrial accidents.
Housing stock in Winfield
The median housing value in Winfield, TN (ZIP 37892) is $132,900 (Source: https://www.bestplaces.net/housing/zip-code/tennessee/winfield/37892). For Scott County, the median property value in 2024 was $124,900, with a homeownership rate of 71.6% (Source: https://datausa.io/profile/geo/scott-county-tn).
Weather & flood risk in Winfield
Winfield, TN experiences a notable risk of severe weather, particularly hail, with multiple radar detections and spotter reports in the area over the past year.
Local facts that affect Winfield insurance
- The Winfield, TN area has had 2 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 18 times during the past 12 months. — High
- Doppler radar has detected hail at or near Winfield, TN on 47 occasions, including 3 occasions during the past year. — High
- Winfield, Tennessee, receives an average of 53 inches of rain per year. — Medium
- On average, Winfield experiences some form of precipitation (rain, snow, sleet, or hail) on 119 days per year. — Medium
- The average home in Winfield, TN, was built in 1992. — Older homes may have original roofs or systems that are more susceptible to damage from severe weather like hail, impacting replacement costs and insurance considerations.
Get covered in Winfield
We're an independent agency — we compare 80+ carriers to fit Winfield's risks to your budget. See Winfield, TN insurance & get a quote → or call 573-594-5148.
Sources: interactivehailmaps.com · bestplaces.net · bestneighborhood.org · indeed.com · signpainter.us · usfirm.us · indeed.com · en.wikipedia.org · en.wikipedia.org · en.wikipedia.org · odsy.co · us-locations.com · mapsof.net · areadevelopment.com