Insurance in Surgoinsville, TN

What we cover in Surgoinsville

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Insurance in Surgoinsville: the local picture

Living here in Surgoinsville, we know our community is built on a strong work ethic, with major employers like Homeland Vinyl Products, Miyake Forging North America Corporation, Cooper Standard, and Ware Manufacturing Inc. providing a lot of the jobs. For these businesses, robust commercial insurance is non-negotiable—we're talking general liability, commercial auto for their fleets, and especially workers' compensation to protect their teams. And with Hawkins County Schools and Hawkins County Memorial Hospital (Ballad Health) also being significant employers, their comprehensive commercial packages are just as critical. On the personal side, for all of us commuting to these jobs, good personal auto insurance is a must.

Our homes around here often have some history to them, with a median age of 38 years. That means many roofs might be nearing the end of their lifespan, making homeowners insurance with strong roof coverage, ideally Replacement Cost Value, incredibly important. We've also got new homes going up, so folks building need to consider builder's risk policies, and new homeowners will want solid coverage right from the start. With the Nolichucky River and Young Branch nearby, and the known flood risk, separate flood insurance is a smart move for many, as standard policies don't cover it.

Then there's the weather. We experience our share of severe weather, and while on-the-ground hail reports might be uncommon, Tennessee averages 31 tornadoes annually. That means homeowners policies need to be reviewed for wind and hail deductibles. It's good to know we have local services like Fine Cut Tree Service for when storms hit, and for those with pools, Tennessee Pool Electrician Pros reminds us that pool-related liability is another homeowner's consideration.

Population: 1882 (2020)

Housing in Surgoinsville

The median age of real estate in Surgoinsville is 38 years old. While specific breakdowns of brick/frame/manufactured homes are not detailed, the presence of 'Single-family new house construction building permits' suggests ongoing development of newer homes. The median age implies that many homes may be nearing or past the typical lifespan for roofing, making roof replacement a potential consideration for a significant portion of the housing stock. (Sources: https://www.bestplaces.net/housing/city/tennessee/surgoinsville, https://www.city-data.com/city/Surgoinsville-Tennessee.html)

Major local employers & who's hiring

• Cooper Standard — Manufacturing (Automotive Components) Actively hiring
• Miyake Forging North America Corporation — Manufacturing (Forgings) Actively hiring
• Ware Manufacturing Inc. — Manufacturing Actively hiring
• Homeland Vinyl Products — Manufacturing (Building Products) Actively hiring
• Hawkins County Schools — Education Actively hiring
• Hawkins County Memorial Hospital (Ballad Health) — Healthcare Actively hiring

Local Surgoinsville businesses

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

• Fine Cut Tree Service — Tree Trimming
• Tennessee Pool Electrician Pros — Electrical Contractors

Local landmarks & geography

• Nolichucky River — Significant flood risk for properties in low-lying areas and floodplains due to historical record-level rises and devastating floodwaters.
• Young Branch — Potential for localized flooding during heavy rainfall events.
• Warriors' Path State Park — Proximity may affect property values due to recreational amenities; potential for wildfire risk in adjacent areas.
• Panther Creek State Park — Proximity may affect property values due to recreational amenities; potential for wildfire risk in adjacent areas.
• Miyake Forging North America Corporation — Industrial presence can affect property values in nearby residential areas; potential for environmental or industrial-related risks.

Local facts that shape your coverage

• The Surgoinsville, TN area has had 0 reports of on-the-ground hail by trained spotters, but has been under severe weather warnings 13 times during the past 12 months. — Directly relevant to severe weather hazards in Surgoinsville.
• Hawkins County, TN, where Surgoinsville is located, has flood risk information and interactive flood maps available from the First Street Foundation, allowing property owners to understand their specific flood risk. — Relevant to flood risk assessment for properties in Surgoinsville.
• Tennessee averages 31 tornadoes per year, based on data from 1995 to 2025. — Provides regional context for tornado risk in Surgoinsville as part of Tennessee.
• The population of Surgoinsville, TN was 1,882 according to the 2020 Census. — Population size is a key demographic factor influencing the insurance market, affecting the number of potential policyholders and overall risk exposure in the area.

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

📄 Read the full Surgoinsville 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.

Surgoinsville, TN insurance — common questions

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