Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Crump
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Crump choose a local agent
When you're in Crump, Hardin County, you get a real person who knows TN — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Crump: the local picture
Folks in Crump know that protecting what you've built here means understanding our unique local landscape. With anchor employers like the Tennessee College of Applied Technology - Crump, Hardin Medical Center, Hardin Farmers Co-Op, and the Hardin County School System, we see a mix of commercial property and liability needs. Businesses along U.S. Route 64, from small shops to the 64 Truck Stop, need solid commercial auto and general liability. For the good people working at these places, and for all our residents, robust personal auto and homeowners policies are essential, reflecting the daily commutes and the value of our homes. Living by the Tennessee River also means understanding our flood risks. FEMA flood maps are available for Hardin County, and we've seen historical flooding, like the Big River Plantation in 2020. That's why flood insurance isn't just a suggestion here; it's a critical layer of protection, separate from your standard homeowner's policy. Beyond water, our weather is no joke. Crump faces a significant severe weather risk, with tornado activity notably higher than state and national averages. The National Weather Service in Memphis keeps a close eye on us, issuing warnings for damaging winds, heavy rainfall, and the ever-present threat of tornadoes. This makes comprehensive homeowners or renters insurance, with strong wind and hail coverage, absolutely vital. Protecting them, and everything inside, from both natural disasters and everyday perils, is paramount. Whether you're a student at TCAT Crump, a healthcare worker at Hardin Medical Center, or part of our farming community, understanding these local risks helps us tailor the right coverage to keep our families and businesses secure in Crump.
Population: 904 (2020)
Housing in Crump
Therefore, an assessment of replacement cost/roof based on these characteristics cannot be provided from available data.
Major local employers & who's hiring
- Tennessee College of Applied Technology - Crump — Education Actively hiring
- Hardin Medical Center — Healthcare Actively hiring
- Hardin Farmers Co-Op — Agriculture / Agricultural Supplies
- Hardin County School System — Education
- Gambrell Lumber and Feed — shopping
Local Crump businesses
A few businesses that call Crump home — independent of our agency.
- Valero — c-store
- Hardin County Convenience — c-store
- Coinhub Bitcoin ATM — financial
- A & G Commercial Trucking — trucking
- Ervin Towing & Recovery — main-street
- Rojo's Automotive — main-street
- Sombreros Mexican Grill — main-street
- Earl's Grille — main-street
- Kokomo's 50s Diner — main-street
- Hillbilly's Wing Shack — main-street
Local landmarks & geography
- Tennessee River — Proximity to the Tennessee River significantly increases flood risk for properties in and around Crump, TN, impacting flood insurance premiums and coverage requirements.
- Tennessee College of Applied Technology-Crump — As a local educational institution, it can contribute to local economic stability and demand for housing, potentially influencing property values and the overall insurable value of the area. It also signifies local infrastructure and community services.
- U.S. Route 64 — A major highway provides transportation access, which can affect property values and accessibility for emergency services. While not an interstate, it's a significant transportation artery for the area.
Local facts that shape your coverage
- Crump, TN's historical tornado activity is 88% greater than the overall U.S. average and slightly above the Tennessee state average. — High
- On April 16, 1998, a category F5 tornado, with maximum wind speeds of 261-318 mph, affected the Crump area. — High
- FEMA flood maps for Hardin County, where Crump is located, are available and delineate flood zones and hazards. — High
- Hardin County experienced significant flooding in February 2020, with the river stage at Savannah reaching 388.7 feet. — High
- Crump, TN had a population of 1,594 residents as of the 2020 U.S. Census. — Provides demographic context for the community and potential insurance market size.
- Hardin County, where Crump is located, has experienced significant historical tornado activity, with an interactive map of Tennessee tornado totals by county available from the National Weather Service. — Highlights a critical weather-related risk directly impacting property and casualty insurance needs.
Local figures compiled from public sources: worldpopulationreview.com · city-data.com · flood-maps.com · youtube.com · en.wikipedia.org · weather.gov. Estimates — verify current details with the original source.
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.
Crump, TN insurance — common questions
How much does insurance cost in Crump, TN?
Rates in Crump and Hardin County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Crump?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Crump and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Crump today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.