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 Maryville, Tennessee – a charming town that blends rich history, natural beauty, and a warm, welcoming community. Known for its picturesque landscapes, thriving arts scene, and proximity to one of America’s most treasured national parks, Maryville offers visitors and residents alike a unique and inviting experience.
Maryville’s history dates back to the late 18th century when it was founded by Revolutionary War veteran John Craig. The town was named after Mary Grainger Blount, wife of Governor William Blount, a prominent figure in early Tennessee history. As you walk through the streets of Maryville, you can sense the deep historical roots that have shaped this vibrant community.
The Blount County Historical Museum is a must-visit for history enthusiasts. The museum showcases a wide range of artifacts and exhibits that chronicle the region’s past, from the indigenous Cherokee people to the early settlers and beyond. The Cades Cove Museum offers another window into the past, highlighting the history of one of the most beloved areas of the Smokies.
A stroll through downtown Maryville reveals beautifully preserved buildings that reflect the town’s rich architectural heritage. The Capitol Theatre, a restored 1930s cinema, is a shining example of this, now serving as a venue for live performances, films, and special events.
Maryville’s location near the Great Smoky Mountains National Park makes it a haven for outdoor enthusiasts. The town is a gateway to countless adventures, from hiking and biking to fishing and camping. The park’s proximity allows for easy day trips to explore its lush forests, cascading waterfalls, and abundant wildlife.
Foothills Parkway, a scenic drive that winds through the mountains, offers breathtaking views of the Smokies and the surrounding countryside. It’s a perfect way to experience the natural beauty of the area without straying too far from town.
For those who prefer to stay closer to Maryville, the Greenbelt Park provides a peaceful retreat within the city. This linear park follows Pistol Creek, offering walking and biking trails, picnic areas, and playgrounds. It’s a popular spot for families, joggers, and anyone looking to enjoy the outdoors.
Lamont Springs Park is another local gem, featuring a serene setting with trails, gardens, and a natural spring. It’s an ideal place for a leisurely walk or a quiet afternoon of reflection.
Maryville’s cultural scene is vibrant and diverse, reflecting the town’s commitment to the arts. Maryville College, one of the oldest colleges in the South, plays a central role in this, with its Clayton Center for the Arts hosting performances, exhibits, and events throughout the year.
The town’s Last Friday Art Walk is a beloved monthly event that showcases local artists, musicians, and performers. It’s a great way to explore the town’s creative side while enjoying the welcoming atmosphere of downtown Maryville.
Maryville is also known for its festivals and community events. The Foothills Fall Festival was a long-standing tradition that brought together residents and visitors for a weekend of music, crafts, and family fun. While the festival is no longer held, its spirit lives on in the various seasonal events and gatherings that continue to celebrate the town’s unique character.
Maryville has seen steady economic growth in recent years, thanks to its strategic location and strong community values. The town is home to a mix of local businesses, from charming boutiques and cafes to larger employers in manufacturing and healthcare.
Denso Manufacturing, one of the town’s largest employers, has been a key player in Maryville’s economic development. The town’s business-friendly environment and skilled workforce make it an attractive destination for companies and entrepreneurs alike.
Despite its growth, Maryville has managed to maintain its small-town charm, with a downtown area that’s easy to navigate and full of character. The town’s sense of community is strong, with residents who take pride in their hometown and welcome newcomers with open arms.
Maryville is known for its excellent schools and commitment to education. The Maryville City Schools district consistently ranks among the top in the state, offering a high-quality education with a focus on academic achievement and personal growth.
In addition to public schools, Maryville College offers higher education opportunities in a picturesque campus setting. The college’s liberal arts focus and strong community ties make it an integral part of the town’s identity.
With its safe neighborhoods, abundant parks, and family-friendly events, Maryville is an ideal place to raise children. The town’s emphasis on community involvement and quality of life ensures that families have everything they need to thrive.
Maryville, Tennessee, is a town that invites you to slow down, enjoy the scenery, and connect with its rich heritage and vibrant community. Whether you’re exploring its historical landmarks, taking in the natural beauty of the Smokies, or simply enjoying a meal at a local café, Maryville offers a welcoming atmosphere that’s hard to resist.
So come and discover Maryville, a town where history meets nature, and where community spirit is alive and well. Whether you’re here for a visit or looking to make it your home, Maryville promises a warm welcome and a lifetime of 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.
Hazard: Maryville, TN, faces significant heat risks, with 99% of homes categorized under the “Major” Heat Factor®. Increasing temperatures and frequent heatwaves may pose severe health risks, particularly on days where “feels like” temperatures exceed 100°F.
Tips for Mobile/Manufactured/Modular Home Owners:
Hazard: Maryville is susceptible to severe thunderstorms, which may bring strong winds, hail, and lightning. These storms can cause significant damage, especially to mobile and modular homes.
Tips for Mobile/Manufactured/Modular Home Owners:
Hazard: Maryville has experienced landspouts, a weaker type of tornado that can still cause damage, especially to less sturdy structures like mobile and modular homes.
Tips for Mobile/Manufactured/Modular Home Owners:
These three risks—precipitation, heat, and flooding—highlight the significant weather-related challenges facing Maryville. Addressing these risks through proactive measures and infrastructure improvements will be essential to ensure safety and resilience in the face of climate change.
Maryville has a property crime rate of 9 per one thousand residents. This rate includes offenses such as burglary, larceny, motor vehicle theft, and arson. The property crime rate in Maryville is about average when compared to other cities and towns across America, indicating that residents face a moderate risk of experiencing property-related crimes.
Key Data Points:
The violent crime rate in Maryville stands at 2 per one thousand residents. This rate covers serious offenses including armed robbery, aggravated assault, rape, and murder. Although the rate is higher than in many communities, it still reflects a relatively low chance of becoming a victim of violent crime.
Key Data Points:
Maryville’s overall crime rate is 11 per one thousand residents, which is near the national average for cities and towns of all sizes. The overall likelihood of becoming a victim of either violent or property crime in Maryville is 1 in 92. Compared to other communities in Tennessee, Maryville’s crime rate is lower than approximately 49% of cities and towns. When compared to similarly sized communities across America, Maryville’s crime rate is noticeably lower, making it a relatively safe place to live.
Key Data Points:
Maryville’s lower crime rate compared to similarly sized communities across the nation highlights its relative safety, making it a desirable location for residents who prioritize security.
Description: Familiarize yourself with local building codes and regulations. Importance: Compliance with local codes ensures safety and legal adherence, especially when making modifications.
Description: Install a sump pump to manage water accumulation. Importance: A sump pump helps prevent basement or crawl space flooding, which is crucial during Tennessee’s rainy seasons.
Description: If your home was built before 1980, have it checked for asbestos. Importance: Tennessee homes built before 1980 may contain asbestos, which requires safe removal to avoid health risks.
Description: Purchase a home warranty to cover repairs and replacements. Importance: A home warranty can provide financial protection for repairs, which is beneficial for managing unexpected costs.
Description: Use landscaping techniques to manage water runoff and prevent flooding. Importance: Proper landscaping helps mitigate flood risks, especially important in Tennessee’s rainy season.
Description: Implement energy-saving practices to reduce utility costs. Importance: Energy conservation is essential for managing expenses and ensuring comfort through Tennessee’s extreme temperatures.
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.
Key Points:
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.
Key Points:
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.
Key Points:
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.
Key Points:
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.
Key Points:
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.
Key Points:
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.
Key Points:
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 Maryville’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!
Great Smoky Mountains Wildfire Coverage
Mountain Slope Stability Coverage
Log Cabin and Rustic Home Coverage
Lake and Stream Proximity Coverage
Severe Weather Endorsement
Appalachian Trail Proximity Inclusion
