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 Smyrna, Tennessee – a town that gracefully balances its historical roots with modern growth. Located in the heart of Rutherford County, this charming town is known for its warm Southern hospitality, rich history, and a community spirit that is palpable in every corner. Whether you’re a history buff, nature enthusiast, or someone looking to experience authentic small-town charm, Smyrna offers something special for everyone.
The history of Smyrna dates back to the early 19th century, when it was established as a small farming community. Named after the ancient city of Smyrna in Asia Minor, the town has grown and evolved while retaining its historical essence. One of the most notable historical landmarks in Smyrna is the Sam Davis Home and Museum. The site was once the home of Sam Davis, a Confederate soldier who became a symbol of Southern loyalty after his capture and execution during the Civil War. Visitors to the Sam Davis Home can explore the well-preserved antebellum house, the surrounding gardens, and the museum that tells the story of Davis and his family.
Smyrna also played a significant role during World War II as the location of the Smyrna Army Airfield, which later became the Sewart Air Force Base. The airfield was crucial to the war effort, training thousands of pilots and crew members. Although the base was closed in the 1970s, its legacy lives on through the Smyrna/Rutherford County Airport and the town’s continued ties to aviation.
Smyrna is more than just its historical landmarks; it’s a thriving community that takes pride in its local culture and traditions. The town’s Depot District is a hub of activity, featuring local shops, restaurants, and entertainment venues. This area, once the heart of the railroad industry in Smyrna, has been revitalized to reflect the town’s commitment to preserving its history while embracing modern amenities.
The Smyrna Depot itself is a historic building that now serves as a community center and event space, hosting everything from local art shows to wedding receptions. It’s a testament to Smyrna’s dedication to maintaining its historical charm while providing a space for residents to come together and celebrate.
Each year, Smyrna hosts a variety of community events that bring residents and visitors together. The Smyrna Christmas Parade is a beloved tradition, featuring festive floats, marching bands, and a visit from Santa Claus. The Top Gun Night Run, an annual 6K run that pays homage to the town’s aviation history, is another event that draws participants from all over the region.
For those who appreciate the great outdoors, Smyrna offers a wealth of natural beauty and recreational opportunities. The town is home to numerous parks, greenways, and natural areas that provide a peaceful escape from the hustle and bustle of everyday life.
Sharp Springs Park is one of Smyrna’s largest and most popular parks, offering over 300 acres of green space, walking trails, fishing ponds, and picnic areas. It’s a perfect spot for a family outing, a morning jog, or simply a quiet place to relax and enjoy nature. The park also features a disc golf course and a dog park, making it a versatile destination for outdoor enthusiasts.
Another gem is the Smyrna Greenway System, a network of trails that wind through the town’s scenic landscapes. Whether you’re biking, jogging, or just taking a leisurely stroll, the Greenway provides a safe and beautiful environment to enjoy the outdoors.
Smyrna’s proximity to Percy Priest Lake offers additional opportunities for water-based recreation. The lake is a popular destination for boating, fishing, and swimming, with several marinas and campgrounds located just a short drive from the town center.
Smyrna is full of hidden gems that add to its unique character. Carpe Artista is a local nonprofit organization that nurtures the arts in the community, offering classes, workshops, and performances. Their coffeehouse, Carpe Café, is a favorite gathering spot for locals, serving up delicious coffee, baked goods, and a welcoming atmosphere.
For a taste of local flavor, Karen’s Kountry Kitchen is a must-visit. This family-owned restaurant has been serving up Southern comfort food for decades, with dishes like fried chicken, catfish, and homemade pies that keep customers coming back for more.
Another local favorite is Smyrna’s Farmers Market, where you can find fresh produce, handmade crafts, and baked goods from local vendors. It’s a great place to support local farmers and artisans while enjoying the vibrant community spirit that Smyrna is known for.
Smyrna, Tennessee, is a town that honors its past while looking ahead to the future. With its rich history, strong sense of community, and abundant natural beauty, it’s no wonder that Smyrna is one of the fastest-growing towns in Middle Tennessee. As it continues to grow and develop, Smyrna remains committed to preserving the qualities that make it a special place to live, work, and visit.
Whether you’re exploring its historical sites, enjoying outdoor adventures, or simply soaking in the local culture, Smyrna offers a warm welcome and a rich experience that will leave a lasting impression. From its historical roots to its modern-day vibrancy, Smyrna is a town where tradition and progress go hand in hand, creating a community that is both timeless and forward-looking. Welcome to Smyrna, a place where history, hospitality, and heart come together to create something truly special.
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.
These three risks—tornadoes, flooding, and heat—underscore the diverse weather challenges facing Smyrna. Addressing these risks through proactive planning and community engagement will help enhance resilience and safety in the region.
Smyrna has a property crime rate of 19 per one thousand residents. This means residents have a 1 in 52 chance of becoming a victim of property crime, which includes burglary, larceny, motor vehicle theft, and arson. When compared to other communities across the nation, Smyrna’s property crime rate is above average, indicating a higher risk of such crimes.
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The violent crime rate in Smyrna is 3 per one thousand residents, which is higher than in most communities of all sizes in America. This includes serious offenses like armed robbery, aggravated assault, rape, and murder. Residents have a 1 in 369 chance of being a victim of a violent crime, placing Smyrna above average in terms of violent crime risk compared to other communities.
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With an overall crime rate of 22 per one thousand residents, Smyrna’s crime rate is considerably higher than the national average. Residents face a 1 in 45 chance of being a victim of either violent or property crime. When compared to other communities of similar population size, Smyrna’s crime rate is about average, making it neither significantly more dangerous nor safer than other similar-sized cities.
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Description: Ensure good ventilation in the home to reduce moisture and prevent mold growth. Importance: Tennessee’s humidity can lead to mold issues, making proper ventilation essential for a healthy living environment.
Description: Review and adjust your insurance policy to ensure adequate coverage. Importance: Adequate insurance coverage is crucial for protection against Tennessee’s diverse weather risks.
Description: Ensure that any modifications or repairs comply with local building codes. Importance: Compliance with building codes is essential for safety and legal adherence.
Description: Install and maintain smoke and carbon monoxide detectors. Importance: These detectors are critical for early detection of hazards, ensuring safety in Tennessee’s varied climate.
Description: Keep detailed records of home improvements and repairs. Importance: Documenting improvements helps with future repairs and potential resale.
Description: Stay current with property tax payments and understand any exemptions or credits available. Importance: Managing property taxes effectively helps avoid penalties and ensures compliance with local regulations.
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 Smyrna’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!
Auto Manufacturing Plant Proximity Coverage
Seasonal Flooding Coverage
Sinkhole Damage Coverage
High Wind Coverage
Hailstorm Damage Coverage
Manufactured Home Security System Discounts
