Published June 29, 2026 · 40 years in trucking & the trades
What we cover in Dunlap
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Dunlap choose a local agent
When you're in Dunlap, Sequatchie 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 Dunlap: the local picture
Folks in Dunlap, we've got a unique housing landscape here that really shapes your home insurance needs. With over 80% of our homes being single-family detached and a good chunk, around 15%, being mobile homes, you've got a lot of variety. A significant portion of our properties, over half, were built before 1990, meaning replacement costs can vary wildly. You'll want to make sure your coverage truly reflects what it would take to rebuild today, especially for those older homes that might need more than just a fresh coat of paint. And if you're in a manufactured home, we need to ensure you have the right kind of policy that understands their distinct valuation. On the business side, our local economy, driven by employers like Dunlap Industries Inc., MANN+HUMMEL USA, and the Walmart Supercenter, means commercial property and liability coverage are essential to keep our town thriving.
Living by the Sequatchie River and nestled in this beautiful valley, we know all too well that severe weather is a real concern. Spring brings the threat of strong thunderstorms, damaging winds, hail, and even tornadoes. That's why robust home and business policies that cover wind and hail damage aren't just a luxury; they're a necessity. Beyond the storms, properties in Dunlap also face varying degrees of flood risk. It's crucial to understand your specific exposure, whether through resources like First Street Foundation's property assessments or FEMA's official flood insurance rate maps. Standard homeowners' policies don't cover floods, so a separate flood insurance policy is something every homeowner here should seriously consider.
For our local businesses, from the manufacturing facilities like Dunlap Industries Inc. and MANN+HUMMEL USA to the Sequatchie County School District and our vibrant Historic Downtown Dunlap, proper commercial insurance is non-negotiable. This includes coverage for property damage from the elements, general liability, and even business interruption in case a major weather event or other unforeseen circumstance shuts things down. The flow of commerce and daily life along Tennessee State Route 28 and Tennessee Highway 111 (US 27) needs to be protected, ensuring our community can recover quickly from any challenges.
Population: 5678 (2024)
Housing in Dunlap
The housing stock in Dunlap, TN is predominantly single-family detached homes (80.5%) and mobile homes (15.1%). The age of homes is mixed, with a significant portion (over 50%) built before 1990, and about 21.6% built in 2000 or later. The median home price in 2023 was $180,600. The prevalence of older homes and manufactured homes suggests a varied range of replacement costs, with older properties potentially requiring more substantial investment for updates, and manufactured homes having distinct replacement value considerations compared to traditional construction. Source: https://www.areavibes.com/dunlap-tn/housing/
Major local employers & who's hiring
- Dunlap Industries Inc. — Textile Manufacturing Actively hiring
- MANN+HUMMEL USA — Manufacturing (Filtration Solutions) Actively hiring
- Walmart — Retail Actively hiring
- Sequatchie County School District — Education Actively hiring
- RiseUP Cooperative — ngo
- Sequachee Valley Electric Cooperative — office
- Cooperative Response Center — ag-commercial
- Transport - Logistic & Warehouse — services
Local Dunlap businesses
A few businesses that call Dunlap home — independent of our agency.
- RiseUP Cooperative — ag-commercial
- Sequachee Valley Electric Cooperative — ag-commercial
- Cooperative Response Center — ag-commercial
- Transport - Logistic & Warehouse — ag-commercial
- Hitech — c-store
- Valero — c-store
- Shell — c-store
- Citgo — c-store
- Murphy USA — c-store
- Exxon — c-store
- Citizens Tri-County Bank — financial
- Athena Bitcoin ATM — financial
Local landmarks & geography
- Sequatchie River — The river is a primary source of flood risk for properties in Dunlap, TN, especially those in low-lying areas or floodplains along its banks.
- Historic Downtown Dunlap — Properties within or adjacent to the historic downtown district may have higher property values due to historical significance and revitalization efforts, but also potentially higher renovation costs for older structures due to preservation requirements.
- South Cumberland State Park — Proximity to the state park can increase property values due to recreational amenities and scenic views. It may also influence local tourism and related business risks.
- Tennessee State Route 28 & Tennessee Highway 111 (US 27) — These major state highways provide accessibility but can also contribute to traffic noise, increased vehicle-related incident risk for properties along the routes, and influence commercial property values.
- Dunlap Industries Inc. — A major textile manufacturing plant, its presence contributes to the local economy and employment, influencing overall property values and demand in the area. Industrial operations may also carry specific environmental or operational risks for nearby properties.
- MANN+HUMMEL USA — A significant manufacturing facility, it plays a role in the local economy and employment. Its operations can affect surrounding property values and may pose specific industrial risks.
Local facts that shape your coverage
- The First Street Foundation provides a flood risk report for properties in Dunlap, TN, assessing current and future flood hazards. — high
- The Federal Emergency Management Agency (FEMA) offers a Flood Map Service Center where residents can access official flood hazard information and maps for communities, including Dunlap, TN. — high
- Tennessee is located in an active severe weather region, experiencing an average of 18 tornadoes annually, with a peak season from March to May. — medium
- Severe thunderstorms in Tennessee can produce large hail and damaging straight-line winds, posing a risk to properties and residents in areas like Dunlap. — medium
- Over 1 in 4 properties in Dunlap, TN, have a significant risk of flooding over the next 30 years. — Highlights the critical need for flood insurance for a substantial portion of the population.
- The median home price in Dunlap, TN, in 2023 was $180,600, with a significant portion of homes built before 1990. — Indicates the importance of accurate replacement cost valuations for older homes and potential gaps in coverage if not properly updated.
Local figures compiled from public sources: datausa.io · firststreet.org · msc.fema.gov · weather.gov · weather.gov · areavibes.com. 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.
Dunlap, TN insurance — common questions
How much does insurance cost in Dunlap, TN?
Rates in Dunlap and Sequatchie 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 Dunlap?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Dunlap and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Dunlap 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.