Insurance in Crossville, TN

What we cover in Crossville

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Insurance in Crossville: the local picture

Speaking of weather, even though First Street Foundation doesn't have detailed historical flood models for Crossville, the presence of Daddys Creek and the general topography mean flood risk is always a concern. Flood insurance, which is separate from standard homeowners' policies, is something every homeowner should consider, regardless of whether they're in a designated flood zone. It's a smart precaution, not just a requirement. And with major arteries like Interstate 40 running through, businesses and residents alike need to consider potential disruptions and transit-related risks, impacting everything from business interruption to auto insurance needs. Knowing our local employers, our housing stock, and our weather patterns helps us tailor coverage that truly fits Crossville.

Population: 12071 (2020)

Housing in Crossville

The housing stock in Crossville, particularly within Zip Code 38571, predominantly features single detached homes, with many constructed around the mid-1990s.

Major local employers & who's hiring

• Cumberland Medical Center — Healthcare Actively hiring
• Crossville Inc. — Manufacturing (Ceramic Tile) Actively hiring
• Aviagen Inc. — Agriculture (Poultry Breeding/Hatchery) Actively hiring
• Dana Incorporated — Manufacturing (Automotive/Driveline systems) Actively hiring
• Clayton Homes — Manufacturing (Manufactured Housing) Actively hiring
• Cumberland County Schools — Education Actively hiring
• Volunteer Energy Cooperative — office
• Cooperative Aid Inc — ag-commercial

Local Crossville businesses

A few businesses that call Crossville home — independent of our agency.

• Volunteer Energy Cooperative — ag-commercial
• Cooperative Aid Inc — ag-commercial
• The Feed Store — ag-commercial
• Stephens Seed and Supply, Inc. — ag-commercial
• Outdoor Cover Warehouse — ag-commercial
• Liquidation Warehouse of TN, LLC — ag-commercial
• Threads of Hope Distribution Warehouse — ag-commercial
• Harry's Number 9 — c-store
• Exxon — c-store
• Exxon Distributor — c-store
• Food City Gas N Go — c-store
• Short Stop Gas — c-store

Local landmarks & geography

• Daddys Creek — Flood risk due to historical rising waters and proximity to properties.
• Historic Downtown Crossville — Potential for higher property values and specialized repair/restoration costs for historic buildings.
• Cumberland Mountain State Park — Proximity may increase risk of wind damage from falling trees and potential for increased property values for nearby homes.
• Interstate 40 (I-40) — Proximity to a major interstate can affect vehicle-related claims, noise pollution, and property values.
• Roane State Community College (Crossville Campus) — Student population can influence local traffic patterns, demand for rental properties, and potentially crime rates.
• Tennessee College of Applied Technology (TCAT) - Crossville — Student population can influence local traffic patterns, demand for rental properties, and potentially crime rates.
• Crossville Ceramics — As a major industrial plant, it may pose risks related to industrial accidents, environmental factors, or increased commercial traffic. It's also a significant employer, impacting local economic stability.

Local facts that shape your coverage

• The Crossville, TN area has had 17 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 38 times during the past 12 months. — Directly indicates the frequency and impact of hail events in Crossville.
• Doppler radar has detected hail at or near Crossville, TN on 62 occasions, including 6 occasions during the past year. — Provides quantitative data on hail occurrences, highlighting a persistent weather hazard.
• First Street Foundation indicates no recreated models of major flooding events specifically near Crossville, TN, but acknowledges that this does not preclude past flooding or future risk. — Clarifies the nature of flood risk assessment for the town, noting the absence of specific historical models but not the absence of risk.
• Crossville, TN, and surrounding areas receive local weather alerts and information for severe weather, including severe thunderstorm warnings. — Confirms the general exposure of the town to severe thunderstorms and the availability of warning systems.
• The population of Crossville city, Tennessee was 12,051 as of July 1, 2023. — Provides context for the size of the community and potential insured base.
• The median household income in Crossville city, Tennessee from 2018-2022 was $46,456. — Indicates the economic capacity of residents to afford various levels of insurance coverage and replacement costs.

Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · firststreet.org · weatherbug.com · census.gov · covenanthealth.com. Estimates — verify current details with the original source.

📄 Read the full Crossville insurance guide →

Insurance requirements in Tennessee

Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.

Crossville, TN insurance — common questions

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