Published August 5, 2026 · 40 years in trucking & the trades
What we cover in Woodland Mills
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Woodland Mills choose a local agent
When you're in Woodland Mills, 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 Woodland Mills: the local picture
Living here in Woodland Mills, we know our homes are more than just a place to sleep; they’re a significant investment, with the average home value around $155,099. But that investment faces real threats. We experience humid subtropical summers with plenty of days over 90°F, and more importantly, our springs and early summers bring severe thunderstorms, high winds, and tornadoes. That means robust homeowners insurance with solid wind and hail coverage isn't just a suggestion—it's essential for protecting your roof and property from those unpredictable Tennessee storms. And with the Rutherford Fork Obion River nearby and Reelfoot Lake not far off, along with heavy rainfall, flood insurance is a must-have for many properties in Obion County, as indicated by First Street Foundation data. Standard policies don't cover floods, so don't get caught without that separate protection.
Population: 346 (2020)
Housing in Woodland Mills
The average home value in Woodland Mills, TN is $155,099, up 1.1% over the past year (Source: https://www.zillow.com/home-values/28019/woodland-mills-tn/).
Major local employers & who's hiring
- Obion County School District — Education Actively hiring
Local Woodland Mills businesses
A few businesses that call Woodland Mills home — independent of our agency.
- Parham Heating, Cooling, Plumbing & Electric — HVAC, Plumbing, Electrical Contractors
- Taylor Automotive — Auto Shops
- Seay Motors — Auto Shops
- AmeriGas Propane Services — Services (Propane)
Local landmarks & geography
- Rutherford Fork Obion River — A local creek/river in Obion County, where Woodland Mills is located, indicating potential flood risk for properties in proximity.
- Reelfoot Lake — A large natural lake in Lake and Obion counties, near Woodland Mills. Can contribute to flood risk, especially in low-lying areas, and influences property values (positively for lakefront, negatively for flood-prone).
- Reelfoot Lake State Park — A state park encompassing Reelfoot Lake, located in Lake and Obion counties, near Woodland Mills. Proximity to a state park can affect property values due to recreational opportunities.
- State Highway 51 — A major state highway that passes through Obion County, providing access to Interstate 55 and Interstate 24. Proximity to major transportation routes can affect property values and accessibility.
Local facts that shape your coverage
- As of the 2020 census, Woodland Mills, Tennessee, had a population of 346 residents. — Demographics
- Woodland Mills, TN, is situated in Obion County, Tennessee, and is part of the Union City, TN–KY Micropolitan Statistical Area. — Geography/Demographics
- Obion County, Tennessee, has a significant number of properties with flood risk, with First Street Foundation providing detailed flood maps and climate risk reports for the county. — Flood Hazard
- The climate in Woodland Mills, TN, is humid subtropical, characterized by hot summers with an average of 43.3 days per year exceeding 90°F. — Weather Hazard
Local figures compiled from public sources: en.wikipedia.org · firststreet.org · bestplaces.net · obioncountyschools.mysmarthire.com · topozone.com · en.wikipedia.org. 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.
Woodland Mills, TN insurance — common questions
How much does insurance cost in Woodland Mills, TN?
Rates in Woodland Mills 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 Woodland Mills?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Woodland Mills and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Woodland Mills 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.