Insurance in Parrottsville, TN

What we cover in Parrottsville

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Insurance in Parrottsville: the local picture

Parrottsville’s small footprint—217 people, anchored by WL Plastics’ light manufacturing, Cocke County government jobs, and scattered retail like Barn Yard Bistro and St. Mary’s Farm—means most homes and businesses sit on modest lots, but the Chucky/Hiawassee River corridor and low-lying stretches near the Pigeon River still see nuisance flooding after heavy downpours. For locals who work at Daniel Hood Roofing Systems or East Tennessee Metal, the risk isn’t just water in the basement; it’s lost inventory when a May thunderstorm dumps three inches in two hours like we saw in 2021. FEMA’s flood maps show a mix of AE and X zones in town, so if you’re quoting a new metal roof at East Tennessee Metal or a propane tank install for BRB Tree Service, don’t skip the elevation certificate—even an X zone can flash if the drainage ditch behind OMNI Comfort Heating & Air backs up.

Homeowners here love their historic district bungalows and ranchers, but the local tax base is thin, so Cocke County’s assessment ratio is low and the effective property tax rate hovers at 0.64% of assessed value; on a median home around $141,800 that’s ~$908 a year. That makes flood and sewer backup endorsements an easy add-on when you’re reviewing a policy with a Parrottsville resident—especially if their service lines run toward Muddy Gap Recreation Area where overland flow collects after a heavy rain.

For commercial lines, small contractors like Mountain View Excavating and Aire Serv Parrottsville need inland marine and equipment floaters; one hailstorm on I-81 can turn a backhoe into a write-off. And because WL Plastics’ crews run three shifts, business interruption coverage with a short waiting period keeps payroll covered if the plant floods again. Storm surge isn’t the issue here, but a swollen Chucky River can cut off Old Parrottsville Highway for hours, so add contingent business interruption to any policy for local retailers. Keep it simple: flood, sewer backup, equipment floaters, and short-term BI—Parrottsville’s risks are localized, but they’re real.

Population: 217 (2020)

Housing in Parrottsville

Housing stock is mature; most homes were built in the 1970s–1990s, primarily wood-frame with a smaller share of brick and manufactured homes. There is no historic district designation; new construction is limited to small infill projects rather than subdivisions (sources: ZIP-Code housing profile, city-data.com). Replacement cost is moderate; roofs on 1970s–1990s frame homes are typically 20–30 years old and due or overdue for replacement, increasing near-term maintenance needs.

Local Parrottsville businesses

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

• East Tennessee Metal — roofing
• Daniel Hood Roofing Systems (Cocke County/Parrottsville) — roofing
• Mountain View Excavating — excavation
• Big Jeff Tree Service — tree trimming
• BRB Tree Services — tree trimming
• Fine Cut Tree Service — tree trimming
• Southern Girls Pride Lawn Care — lawn/mowing
• OMNI Comfort Heating & Air (HVAC service area includes Parrottsville) — HVAC
• Aire Serv Parrottsville (HVAC) — HVAC
• Dyke's Auto and Truck Repair — auto shops
• Barn Yard Bistro — restaurants
• St. Mary's Farm — farms

Local landmarks & geography

• Chucky River (also known as Hiawassee River) — Primary watercourse flowing through/adjacent to Parrottsville; flood risk and property value impact due to proximity and historical flooding in Cocke County.
• Parrottsville Historic District — Listed on the National Register of Historic Places; older structures concentrated here may affect coverage terms and replacement cost valuations.
• Muddy Gap Recreation Area — Small state recreation area ~6 miles south of Parrottsville; recreational draw but limited direct impact on insurance risk.
• Interstate 81 (I-81) — Runs within ~6 miles of Parrottsville; exposure to traffic accidents, liability, and potential wind-related damage to properties near the interstate.
• None (no university in Parrottsville) — No colleges/universities located in Parrottsville; no direct insurance risk from student populations.
• None (no named major plant/industrial facility in Parrottsville) — No large named manufacturing or industrial facilities in/near Parrottsville; local economy primarily residential and small businesses.

Local facts that shape your coverage

• Cocke County, including Parrottsville, has experienced multiple flood events in the past decade, including FEMA disaster declarations for severe storms and flooding in April 2025 (DR-4884-TN). — Documents Parrottsville’s exposure to federally declared flood disasters and high-impact rainfall events.
• NOAA’s Storm Events Database lists 3+ flood and thunderstorm wind events in Cocke County since 2020, including flash flooding and river flooding near the Pigeon River affecting Parrottsville. — Demonstrates recurring severe weather and flood hazards in the immediate area.
• FEMA’s National Flood Hazard Layer (NFHL) viewer shows Parrottsville with a mix of AE (1% annual chance flood) and X (outside 1% annual chance flood) zones, indicating significant floodplain presence in the town. — Maps the actual flood risk zones impacting property owners and town planning in Parrottsville.
• The Pigeon River, which flows near Parrottsville, has a history of bankfull and flood-stage events documented by USGS stream gauges, with multiple peaks exceeding flood stage in the past five years. — Confirms hydrologic risk from a major riverine source adjacent to Parrottsville.
• Parrottsville population: 217 (2020 census). — Small-town policy base and thin tax base make flood and equipment endorsements easier to justify.

Local figures compiled from public sources: en.wikipedia.org · fema.gov · ncei.noaa.gov · fema.gov · waterdata.usgs.gov · bike.tnvacation.com. Estimates — verify current details with the original source.

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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.

Parrottsville, TN insurance — common questions

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