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 Harriman, Tennessee – a town steeped in history and brimming with natural beauty. Known as “The Town that Temperance Built,” Harriman offers a unique blend of historical significance, small-town charm, and access to some of the most breathtaking outdoor landscapes in the region. Whether you’re drawn to its rich past, its vibrant community, or the stunning surroundings, Harriman invites you to discover the treasures that make it a special place to visit or call home.
Harriman’s story is one of ambition and idealism. Founded in 1891 by leaders of the temperance movement, the town was established as a utopian community free from the influence of alcohol. These visionaries saw Harriman as a model city, where industry and morality could coexist harmoniously. The town was meticulously planned, with wide streets, beautiful parks, and an emphasis on education and the arts.
The Temperance Building, a symbol of Harriman’s founding principles, still stands as a testament to this vision. Today, it houses the Harriman Heritage Museum, where visitors can explore exhibits that tell the story of the town’s founding, its early years, and its growth over the decades. The museum also offers a glimpse into the lives of the early settlers, providing context to the town’s unique origins.
Surrounded by the natural beauty of East Tennessee, Harriman is a gateway to outdoor adventure. The town is located near several state parks, rivers, and lakes, making it an ideal destination for nature lovers and outdoor enthusiasts.
Just a short drive from Harriman, Frozen Head State Park offers over 24,000 acres of pristine wilderness to explore. The park is home to a variety of hiking trails, ranging from easy walks to challenging backcountry routes that lead to breathtaking vistas. Frozen Head Mountain, the park’s highest peak, provides panoramic views of the surrounding countryside, rewarding hikers with a sense of accomplishment and a deep connection to the natural world.
For those who prefer water-based activities, Watts Bar Lake is a popular destination for boating, fishing, and swimming. This expansive reservoir, one of the largest in the region, offers over 700 miles of shoreline to explore, with plenty of secluded coves and inlets perfect for a day of relaxation or adventure. Whether you’re casting a line for bass, kayaking along the peaceful waters, or enjoying a picnic by the shore, Watts Bar Lake provides endless opportunities for outdoor enjoyment.
Harriman is more than just a place of historical interest and natural beauty; it’s a thriving community with a strong sense of identity and pride. The town hosts a variety of events throughout the year that bring residents together and celebrate the unique character of Harriman.
One of the most anticipated events is the annual Harriman Christmas Parade, a festive tradition that fills the streets with holiday cheer. The parade features floats, local marching bands, and, of course, a visit from Santa Claus, creating a magical atmosphere that brings out the best of the season.
Another local favorite is the Harriman Farmer’s Market, held during the warmer months. Here, you can find fresh produce, handmade crafts, and delicious baked goods, all sourced from local farmers and artisans. The market is a great way to support the community while enjoying the best that East Tennessee has to offer.
While Harriman’s history and natural beauty are well-known, the town also has its share of hidden gems that are waiting to be discovered. Roane State Community College, located in Harriman, is a hub of cultural activity, offering performances, lectures, and art exhibits that enrich the community. The Princess Theatre, a beautifully restored historic venue, hosts a variety of events, from live music to classic film screenings, providing a taste of the arts in an intimate setting.
For a unique and quirky experience, visit the Cornstalk Heights Historic District, where you can take a self-guided walking tour through one of the town’s most charming neighborhoods. The district features a collection of well-preserved Victorian homes, each with its own story to tell. Walking through Cornstalk Heights feels like stepping back in time, offering a glimpse into the lives of Harriman’s early residents.
Harriman, Tennessee, is a town that defies simple description. It’s a place where the past is honored, the present is celebrated, and the future is embraced. Whether you’re exploring its historic landmarks, enjoying its natural wonders, or getting to know its friendly residents, Harriman offers an experience that’s as enriching as it is enjoyable.
Come and discover Harriman—a town built on dreams, sustained by community, and surrounded by the beauty of East Tennessee. Whether you’re visiting for a day or planning to stay a lifetime, Harriman welcomes you with open arms and the promise of unforgettable memories.
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.
Description: Harriman, TN, has a notable history of hail events, with Doppler radar detecting hail in the area on 49 occasions, including once in the past year. Trained spotters have reported hail on the ground twice in the past 12 months. Hailstones can range in size, but even small hail can cause significant damage to roofs, vehicles, and crops.
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Insights and Implications for Homeowners: For residents of Harriman, hail poses a considerable risk, particularly to mobile homes and properties with older roofing materials. Homeowners should be aware of the potential for hail damage and consider taking steps such as installing hail-resistant roofing materials or using protective covers for vehicles. Being alert to severe weather warnings can help residents protect their property and ensure their safety during storms. Additionally, insurance coverage for hail damage is advisable to mitigate financial losses.
Description: While Harriman has a tornado index of 98.25, which is lower than both the Tennessee state average and the U.S. average, tornadoes remain a significant threat. The area has experienced several severe weather events, including tornado warnings, highlighting the potential for tornado formation during severe thunderstorms.
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Insights and Implications for Homeowners: Although Harriman has a lower tornado index compared to the state and national averages, the risk of tornadoes should not be underestimated. Mobile homeowners are particularly vulnerable to tornado damage due to the structural characteristics of these homes. Residents should have a tornado safety plan in place, including knowing the location of the nearest storm shelter or safe room. Strengthening the structural integrity of homes, especially mobile homes, and ensuring proper insurance coverage are also important considerations.
Description: Severe thunderstorms are a frequent occurrence in Harriman, with 2,475 recorded instances of thunderstorm winds within 50 miles from 1950 to 2010. These storms can bring heavy rain, strong winds, lightning, and hail, all of which pose risks to property and personal safety.
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Insights and Implications for Homeowners: Severe thunderstorms in Harriman can result in significant property damage due to strong winds, flooding, and hail. Homeowners should be prepared for these events by reinforcing their homes, ensuring proper drainage systems are in place, and staying informed about weather alerts. Flooding, in particular, can cause long-term damage, so it’s important to consider flood insurance and have an emergency plan in place. Additionally, keeping trees trimmed and securing outdoor furniture can help reduce the risk of wind damage during storms.
These three risks—tornadoes, flooding, and heat—underscore the diverse weather challenges facing Harriman. Addressing these risks through proactive planning and community engagement will help enhance resilience and safety in the region.
Harriman has a property crime rate of 16 per one thousand residents. This rate includes crimes such as burglary, larceny, motor vehicle theft, and arson. Compared to other cities and towns across America, Harriman’s property crime rate is above average, indicating a higher likelihood of encountering property crime.
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The violent crime rate in Harriman is 1 per one thousand residents. This rate encompasses violent offenses such as armed robbery, aggravated assault, rape, and murder. Harriman’s violent crime rate is about average when compared to other communities in America, giving residents a 1 in 1,016 chance of becoming a victim of violent crime.
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Harriman’s overall crime rate stands at 17 per one thousand residents, which is considerably higher than the national average across all communities in America. The overall likelihood of becoming a victim of either violent or property crime in Harriman is 1 in 58. This places Harriman in a less safe category, with a crime rate higher than approximately 70% of Tennessee’s cities and towns. When compared to similarly sized communities across the country, Harriman’s crime rate is notably higher, making it more dangerous than most other cities of its size.
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Description: Test and maintain the quality of your home’s water supply. Importance: Ensuring clean water is crucial for health and safety, particularly in areas with water quality concerns.
Description: Keep updated on local regulations and changes that may affect your home. Importance: Staying informed helps ensure compliance with local laws and addresses any changes that could impact your living situation.
Description: Inspect your home for any signs of leaks, especially in areas prone to water ingress. Importance: Tennessee’s heavy rains can cause significant water damage if leaks are not addressed promptly.
Description: Improve insulation in your home to enhance energy efficiency. Importance: With Tennessee’s varying temperatures, proper insulation helps maintain comfort and reduce energy bills.
Description: Use weatherstripping around doors and windows to prevent drafts. Importance: Effective weatherstripping helps in energy conservation, particularly important for Tennessee’s seasonal weather changes.
Description: Inspect your roof for damage following severe weather events. Importance: Storms in Tennessee can cause roof damage, which needs to be addressed quickly to avoid leaks and further issues.
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:
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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.
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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.
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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 Harriman’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!
