Water, fire and mold damage restoration in Troy, Tennessee

Work at Troy falls under Obion County, which is where the codes and licensing questions get settled. Incorporated February 1901, with a 2025 certified population of 1,423 — up from 1,371 in 2010.

Fifteen road miles from Dyersburg makes this one of the shorter runs on the northwestern desk, up the Highway 51 corridor. Rives is six miles from here, Union City ten and Ridgely fifteen. The genuine constraint is not distance but water: the Obion River bottoms lie between this town and the ground to the west, and when the river is up the short way round stops being the short way. Checking the state of the crossings before setting out is a habit here rather than a precaution, and it is the difference between a forty-minute approach and a considerably longer one.

Two zones account for most of the calls. The first is the older housing on the low ground toward the creek, where crawl spaces sit closest to a water table that rises with the river rather than with the rain. The second is agricultural — sheds, shops and grain buildings out on the farmland, which are a different kind of loss entirely and are rarely insured the way a house is. Between those two the later single-story brick is comparatively undramatic, and its calls tend to be one fixture or one appliance rather than anything that reaches the structure.

Four municipal services come from one small town office here — water, gas, sewer and refuse — which is more than most places this size manage, and it makes the shutoff conversation short. What the town does not have is a codes department, and the unincorporated county around it is not on the state residential permit list either. No Home Improvement license is required anywhere in this county; the statewide contractor's license applies above twenty-five thousand dollars, and every license of either kind is checkable in about a minute at verify.tn.gov. Where nobody inspects, that lookup is close to the only external check an owner has.

Troy is a small town of around fourteen hundred people that has grown very slightly since 2010. The housing is a mix of older frame on crawl spaces and later single-story brick, and the town supplies its own water, gas, sewer and refuse — four services from one small municipal operation.

The municipal record for Troy

Troy incorporated on 1 February 1901 and covers 1.35 square miles at 377 feet. Unlike most of the northwest it is growing: 933 people in 1975, 1,371 in 2010 and 1,423 in 2020. The town's public works department supplies water, sewer, gas and solid waste; electricity comes from Gibson Electric Membership Corporation, which is headquartered at Trenton, keeps an office in Troy and serves more than 34,600 customers across eight West Tennessee and four Kentucky counties.