Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Obion
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Obion choose a local agent
When you're in Obion, Obion 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 Obion: the local picture
Obion County’s economy runs on acres of corn and soybeans, factory floors at Protective Industries and food processors, and semis rolling US‑51/45 to move it all. That means property and liability lines need to favor manufacturers with equipment breakdown and spoilage coverages, farms with crop-hail and excess liability, and the logistics yards with inland marine for goods in transit. Personal lines here mean writing NFIP flood policies on the Obion River floodplain and endorsing homeowners for wind and hail in a county that sees severe thunderstorm warnings roughly once a month. UT Martin’s 7,000 students and staff add renters and auto exposure, so garage keepers and rideshare endorsements round out the book. Reelfoot Lake’s tourism draws watercraft and commercial fishing policies, while the courthouse and healthcare anchors push workers comp and EPLI for public and private payrolls. You don’t just sell a policy—you sell continuity when the next hailstorm or river crest hits.
Population: 30787 (2020)
Housing in Obion
Median year built for occupied housing units is 1980 per U.S. Census data summarized at https://www.infoplease.com/us/census/tennessee/obion-county/housing-statistics; housing stock is predominantly frame construction with a significant share of manufactured housing; historic districts are limited to a few properties listed on the National Register, while new subdivisions are sparse and clustered near Troy and Union City. https://www.zillow.com/home-values/658/obion-county-tn/
Major local employers & who's hiring
- Dairy Hut — american restaurant
Local Obion businesses
A few businesses that call Obion home — independent of our agency.
- Marathon — c-store
- Foundation Bank — financial
Local landmarks & geography
- Reelfoot Lake — A shallow natural lake formed by the 1811–12 New Madrid earthquakes; flood-prone area and high property value due to recreation and tourism; FEMA flood maps and NOAA data identify surrounding floodplains as high-risk zones for flooding, which can affect insurance coverage and premiums.
- Obion County Courthouse Historic District — Listed on the National Register of Historic Places; historic downtown core with older building stock, which may face higher wind/storm damage risk and replacement value considerations for insurance underwriting.
- Gooch Wildlife Management Area — Protected natural area adjacent to Obion; while not urban, its wetlands and floodplains influence local drainage and flood risk, potentially impacting nearby property insurance terms.
- US-51 / US-45 Corridor (Major North-South Highway) — Primary transportation artery running through Obion County; proximity to highways can increase property value but also exposure to traffic-related liability and potential for higher wind/debris damage during storms.
- University of Tennessee at Martin (UT Martin) — Major regional employer and educational institution located ~30 miles east; can drive demand for local services and housing, affecting property values and insurance exposure in surrounding areas.
- Protective Industries (Automotive Seating Manufacturer) — Major manufacturing plant in Obion County; large employer and property asset; concentration of risk due to size, machinery, and potential for business interruption losses, influencing property and workers' compensation insurance underwriting.
Local facts that shape your coverage
- Doppler radar has detected hail at or near Obion 51 times, including 4 occasions in the past year, per InteractiveHailMaps spotter and radar data. — Documents recent hail frequency in Obion, TN, indicating a persistent severe weather hazard.
- Obion has been under severe weather warnings 35 times in the last 12 months, reflecting high severe weather exposure. — Highlights the frequency of severe weather alerts for Obion, TN.
- Major flooding in Obion County has affected several towns, with residents reporting unprecedented flood levels in the city of Obion off North Broadway Street. — Documents a significant flood event in Obion County, including impacts on the town of Obion.
- First Street Foundation’s high-resolution flood maps indicate Obion County, including Obion, has significant flood risk and provides flood prevention insights. — Quantifies long-term flood risk for Obion, TN using property-level data and licensed modeling.
- Obion County’s 2023 population is 30,600 (US Census Bureau/QuickFacts). — Baseline for personal lines market size and workforce comp exposure.
- Obion County home values average $158,777 (Zillow Home Value Index, latest data). — Guides homeowners premiums and flood policy limits in a county with river and flash flood risk.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · wpsdlocal6.com · firststreet.org · census.gov · zillow.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.
Obion, TN insurance — common questions
How much does insurance cost in Obion, TN?
Rates in Obion and Obion 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 Obion?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Obion and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Obion 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.