Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to Crossville, Tennessee – a town where scenic beauty meets a rich history and a vibrant community spirit. Known as the “Golf Capital of Tennessee,” Crossville offers more than just world-class golf courses; it provides a gateway to the stunning natural landscapes of the Cumberland Mountains. Whether you’re a golfer, a history enthusiast, or an outdoor adventurer, Crossville invites you to discover its many treasures.
Crossville’s history is deeply rooted in the early days of Tennessee. Established in 1856, the town’s name is derived from its location at the intersection of two major early roads: the Kentucky Stock Road and the Great Stage Road. This strategic location made Crossville a vital stop for travelers and traders in the 19th century.
The town’s historical significance is still evident today in its well-preserved landmarks. One of the most notable is the Cumberland County Courthouse, a beautiful example of classical revival architecture built in 1905. This iconic building, located in the heart of downtown, serves as a reminder of Crossville’s long-standing role as the county seat.
Another historical gem is the Military Memorial Museum, which honors the service and sacrifice of local veterans. Housed in a former school building dating back to the 1920s, the museum features exhibits that cover various wars and conflicts, providing a poignant look at the impact of military service on the community.
Crossville proudly holds the title of the “Golf Capital of Tennessee,” boasting more than a dozen championship golf courses that attract players from all over the country. The area’s mild climate and scenic surroundings make it an ideal destination for golf enthusiasts.
Among the most popular courses is Stonehenge Golf Club, consistently ranked among the top courses in Tennessee. With its challenging layout, rolling fairways, and breathtaking views of the Cumberland Plateau, Stonehenge offers an unforgettable golfing experience.
Another must-play course is Bear Trace at Cumberland Mountain, part of the Tennessee Golf Trail. Designed by golf legend Jack Nicklaus, this course is known for its natural beauty, with holes that wind through dense forests and around serene lakes. Whether you’re a seasoned golfer or a beginner, Crossville’s courses provide something for everyone.
Crossville is not just for golfers—it’s also a paradise for outdoor enthusiasts. The town is surrounded by the natural beauty of the Cumberland Plateau, offering countless opportunities for hiking, fishing, boating, and wildlife watching.
One of the crown jewels of the area is Cumberland Mountain State Park. This 1,720-acre park is a haven for nature lovers, with its picturesque trails, pristine lake, and diverse wildlife. The park’s centerpiece is Byrd Lake, where visitors can enjoy canoeing, kayaking, and fishing. The park also features a historic stone bridge, built by the Civilian Conservation Corps in the 1930s, which adds a touch of history to the natural landscape.
For those looking to explore the wonders of the Cumberland Plateau, the Obed Wild and Scenic River offers a rugged and remote experience. This protected area, located just a short drive from Crossville, is known for its dramatic gorges, towering cliffs, and free-flowing river. It’s a popular spot for whitewater rafting, rock climbing, and hiking.
Crossville is also a hub of arts and culture in the region. The town is home to the Cumberland County Playhouse, one of the most successful regional theaters in the United States. Founded in 1965, the Playhouse produces a wide range of performances, from Broadway musicals to classic dramas and original works. With its professional productions and dedicated community involvement, the Playhouse is a cultural treasure that enriches the lives of residents and visitors alike.
In addition to the Playhouse, Crossville boasts a vibrant arts community, with numerous galleries, studios, and events that celebrate local artists and craftspeople. The Art Circle Public Library is a cultural center in its own right, hosting art exhibits, lectures, and workshops throughout the year.
Crossville is full of hidden gems that add to its charm. The Historic Palace Theatre, originally built in 1938, has been lovingly restored and now serves as a venue for films, concerts, and community events. This Art Deco-style theater is a step back in time, offering a nostalgic experience in a beautifully preserved setting.
Another unique attraction is the Chestnut Hill Winery, one of the many wineries in the Upper Cumberland region. Here, visitors can sample a variety of locally produced wines, tour the vineyards, and enjoy stunning views of the surrounding countryside.
What truly sets Crossville apart is its warm and welcoming community. The people of Crossville take pride in their town’s heritage, natural beauty, and vibrant culture. Whether you’re attending a local festival, exploring the great outdoors, or simply enjoying a round of golf, you’ll find that the residents of Crossville are eager to share their love for this special place.
Crossville, Tennessee, is a town where history, nature, and culture come together to create a truly unique destination. Whether you’re planning a golfing getaway, a nature retreat, or simply looking for a charming town to explore, Crossville offers something for everyone. Come and discover the beauty, history, and hospitality of Crossville, and create memories that will last a lifetime.
Yes, mobile home insurance is essential in Tennessee due to the state’s diverse climate and environmental challenges. Insurance provides financial protection against natural disasters, liability issues, and potential losses due to theft or vandalism. Given Tennessee's susceptibility to tornadoes, flooding, and winter storms, having comprehensive coverage ensures you are financially protected in case of damage or loss.
In Tennessee, insurance premiums for homeowners are influenced by a variety of factors. The insurer you choose can significantly impact the premium you pay, as different companies may offer varying rates for similar coverage. Additionally, your decisions regarding the amount of coverage you purchase also affect your premium. Here are some key factors that insurers consider when determining your premium:
By understanding these factors, homeowners in Tennessee can make informed decisions about their insurance needs and find ways to potentially lower their premiums.
The cost of mobile home insurance in Tennessee varies based on several factors:
On average, mobile home insurance in Tennessee can range from $300 to $1,000 annually, depending on these factors.
In Crossville, TN, severe thunderstorms can bring a host of dangerous weather conditions, including damaging wind gusts of 65+ mph, heavy rain, and the possibility of tornadoes. The area has a high tornado index, indicating a significant risk of tornado events, with historical data showing numerous thunderstorm-related incidents.
Tips for Mobile/Manufactured Homeowners:
With over 355 flood events recorded in the Crossville area between 1950 and 2010, flooding is a serious hazard, particularly during heavy rainfall associated with thunderstorms. Flooding can occur quickly and with little warning, especially in low-lying areas.
Tips for Mobile/Manufactured Homeowners:
Crossville, TN, while not as high-risk as some areas, still has a moderate earthquake index. Although less frequent, earthquakes can still pose a risk to mobile homes, which may not be as structurally sound during seismic events.
Tips for Mobile/Manufactured Homeowners:
These risks highlight the importance of being prepared for various weather extremes in Crossville, TN, with particular attention to tornadoes, extreme heat, and severe storms. Residents should take proactive steps to protect themselves and their properties.
Crossville has a property crime rate of 35 per one thousand residents, making it one of the higher-risk areas in the nation. The chance of becoming a victim of property crime here is 1 in 28, which includes crimes like burglary, larceny, motor vehicle theft, and arson. This rate is notably higher than the national average, indicating a significant threat to residents’ property.
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The violent crime rate in Crossville is also alarmingly high, with 1 in 143 residents likely to become a victim. This rate includes severe crimes such as rape, murder, armed robbery, and aggravated assault. Crossville’s violent crime rate ranks among the highest in the nation, regardless of the size of the community.
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With an overall crime rate of 42 per one thousand residents, Crossville ranks among the highest in America for crime. The overall chance of becoming a victim of either violent or property crime is 1 in 24, placing it well above the national average. Within Tennessee, only 5% of communities have a higher crime rate than Crossville. When compared to cities of similar population size, Crossville fares poorly, with few communities of this size having such a high rate of crime.
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Description: Keep skirting in good condition to protect the home’s underbelly from pests and weather. Importance: Proper skirting prevents animals and moisture from damaging the home, which is important in Tennessee’s varying climate.
Description: Review and update your insurance policy to cover damages and liability. Importance: Tennessee's weather-related risks, including tornadoes and floods, make comprehensive insurance crucial for financial protection.
Description: Install and maintain smoke detectors and fire extinguishers. Importance: Ensuring fire safety is critical in Tennessee due to the high risk of wildfires and the importance of quick responses to fire hazards.
Description: Understand and comply with local zoning regulations and restrictions. Importance: Tennessee’s zoning laws vary, and adherence is necessary to avoid legal issues and ensure proper home placement.
Description: Be aware of the differences between personal property loans and traditional mortgages. Importance: Many Tennessee homeowners use personal property loans, which can have different terms and protections.
Description: Explore programs for replacing or repairing outdated mobile homes. Importance: Tennessee offers assistance for updating older homes, which can be beneficial for maintaining safety and comfort.
While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.
The State of Manufactured Housing in Tennessee:
Key Data:
Insights: Manufactured housing plays a crucial role in Tennessee’s housing market due to its affordability compared to traditional homeownership and renting. However, the age of many of these homes, particularly those built before 1980, can lead to higher maintenance costs for homeowners. The affordability and availability of manufactured homes provide an essential housing option, particularly for low- and moderate-income residents, despite potential future expenses related to older units.
Key Data:
Insights: Tennessee offers slightly more affordable housing than the national average, and the state has a relatively low foreclosure rate. However, homeownership rates vary significantly by demographic factors such as race, income, and family structure. Manufactured housing can help bridge some of these gaps by providing an affordable homeownership option. With a substantial portion of manufactured housing being affordable, this type of housing is critical in meeting the state’s need for low-cost housing solutions.
Key Data:
Insights: Manufactured housing is a vital component of affordable housing in Tennessee, particularly for very low-income homeowners who face lower housing cost burdens compared to other forms of homeownership. The significant cost savings per square foot make manufactured homes an attractive option for those seeking affordable housing. This type of housing is essential for providing stable and cost-effective living conditions for a large portion of Tennessee’s population, particularly in a state where homeownership challenges vary widely.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
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Insights: In 2023, Tennessee maintained strict regulations on mobile home ownership to ensure clarity and accountability in property transactions. The titling process serves as irrefutable proof of ownership and imposes the responsibility to transfer the title to the new owner during a sale or transfer. Non-compliance can result in legal and financial penalties, highlighting the importance of adhering to these regulations.
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Insights: The placement of mobile homes in Tennessee is tightly regulated by local zoning ordinances, which can differ significantly across regions. Mobile home owners must thoroughly research and comply with these local ordinances to ensure they meet requirements such as property line setbacks, minimum lot sizes, and allowed mobile home types. Understanding these zoning laws is essential for a harmonious community integration and to avoid potential legal issues.
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Insights: In 2023, Tennessee continues its commitment to mobile home residents’ safety by enforcing rigorous safety standards. These standards cover critical aspects of mobile home living, ensuring that homes meet specific requirements for electrical systems, plumbing, heating, and ventilation. Mobile home owners should be prepared for periodic inspections to maintain compliance, underscoring the state’s dedication to secure and habitable living environments for all residents.
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Insights: Tennessee’s regulations for the transportation and installation of mobile homes prioritize safety and structural integrity. These regulations mandate acquiring the necessary permits and adhering to established guidelines during the disassembly, transportation, and reinstallation processes. Compliance with these regulations is crucial to ensure the safety of the mobile home and the community it is placed within.
In Tennessee, manufactured home residents have homeownership rates comparable to those of residents in other types of housing. Approximately 66% of manufactured home residents own their homes, which mirrors the 66% homeownership rate seen among residents of traditional site-built homes. This parity underscores the significant role that manufactured homes play in providing affordable housing options that facilitate homeownership in the state.
Financing for manufactured homes differs notably from traditional home financing. Owners of manufactured homes are less likely to have a conventional mortgage and are more likely to use personal property loans. These loans, which often come with higher interest rates, shorter prepayment periods, and fewer consumer protections, present unique challenges for manufactured home owners. Unlike traditional mortgages, personal property loans typically classify homes as personal property, akin to vehicles.
This classification can lead to financial drawbacks, as lenders may use depreciation tables similar to those in the auto industry to determine the value of these homes. Consequently, manufactured home owners may experience a decline in their home’s value over time, making it more challenging to build equity and wealth through homeownership. Despite these challenges, the accessibility of personal property loans continues to enable many Tennesseans to achieve homeownership through manufactured homes.
Overall, while manufactured home residents in Tennessee enjoy similar homeownership rates to those living in site-built homes, the financial pathways they navigate can be markedly different, often requiring careful consideration and planning to maximize the benefits of their home investment.
The Manufactured Housing and Modular Buildings Section of the Tennessee Department of Commerce and Insurance oversees the regulatory framework for HUD-labeled manufactured homes and modular buildings. Operating under TCA Title 68 and federal mandates like the National Manufactured Housing Construction and Safety Standards Act of 1974, the section plays a pivotal role in licensing manufacturers, retailers, and installers of manufactured homes. It ensures compliance with safety standards through rigorous inspections and investigates violations of state and federal regulations. Additionally, the section collaborates with HUD as the State Administrative Agent, overseeing aspects such as construction quality control, consumer complaint resolutions, and post-production monitoring of homes in Tennessee.
For those involved in manufactured housing or modular construction in Tennessee, the section provides critical services like license application and renewal, verification, and handling of consumer complaints. It serves as a central hub for resources and information, facilitating the safe and compliant installation and maintenance of manufactured homes and modular buildings across the state. Residents and stakeholders can contact the Manufactured Housing Section at their Nashville headquarters for inquiries, licensing procedures, or to report any issues related to manufactured housing standards and regulations.
Since Tennessee is located inland, and does not have a coastline, there are no Coastal Insurance Pool Services available as per government/subsidized schemes. You might however find some add ons to your insurance plan, like the Inland Marine Select plan available for new construction of individual dwellings and commercial projects with limits of up to $3,000,000 available – according to construction type and protection class, with further limits of up to $500,000 per location – which is excluding wind & hail in coastal areas.
The Tennessee Manufactured Housing Foundation (TMHF), based in Mt. Juliet, TN, is dedicated to assisting Tennessee residents who are economically disadvantaged or facing challenging circumstances related to their manufactured homes. TMHF aims to support the repair and improvement of existing manufactured homes and provide replacement homes to those in need due to income limitations or other hardships.
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Insights: Understanding tenant rights and landlord responsibilities is vital for harmonious living in Tennessee’s mobile home parks. The current laws cover essential issues like rent increases, eviction procedures, and tenant protections, aiming to balance the interests of park owners and tenants. These laws foster fairness and equity, ensuring a mutually beneficial mobile home park experience in Tennessee.
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Insights: In 2023, Tennessee reinforced its commitment to environmental sustainability in mobile home communities by implementing strict environmental regulations. These rules address critical areas such as responsible sewage disposal, water quality maintenance, and efficient waste management. Adhering to these regulations promotes a healthier living environment and contributes to preserving the state’s natural resources.
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Insights: Staying informed about evolving mobile home laws and regulations is crucial for compliance in Tennessee. The legal landscape can undergo revisions and updates to address new issues and changing circumstances. By frequently checking for updates and consulting with relevant authorities, mobile home owners and residents can navigate new provisions effectively and continue enjoying the benefits of mobile home living with confidence.
Navigating the current mobile home landscape in Tennessee requires a thorough understanding of the state’s laws and regulations. From ownership and placement to safety standards and tenant rights, being aware of these laws is essential for both mobile home owners and residents. By staying informed and adhering to the latest regulations, you can ensure a smooth and compliant mobile home experience in the Volunteer State.
For more information on your rights visit the following resources:
It’s essential to compare quotes from various insurance providers and work with local agencies that understand Crossville’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!
