Local Experts.
Both Markets.
Thompson Insurance Agency serves Shelby County, Tennessee and DeSoto County, Mississippi — the communities we live in and have protected since 1992. Two states, one advisor, no gaps.
Our Two Markets
We are licensed in Tennessee and Mississippi and know both markets in depth — from carrier appetite to local flood patterns to construction norms specific to each county.
Tennessee
Shelby County, TNMississippi
DeSoto County, MSCity-Specific Insurance Guides
Every community in our service area has unique insurance considerations — different flood zone profiles, construction characteristics, carrier appetite, and local risks. We've built dedicated guides for each city we serve so you can find information that's actually relevant to your address.
Also serving: Lakeland, Millington, Atoka, Munford, and Oakland (TN); Walls, Nesbit, Lake Cormorant, Senatobia, and Byhalia (MS); plus Nashville, Oxford, Tupelo, and Jackson.
Why Local Knowledge Matters
There is no such thing as a generic Mid-South insurance quote. The flood zone on your specific parcel, the construction year of your home, the proximity to waterways, and the carrier loss history in your zip code all affect your premium and your coverage options in ways that a national call center simply cannot navigate.
After 34 years in Shelby County and DeSoto County, we know this market the way only a local agency can. We know where carriers are pulling back in certain zip codes and where they're competitive. We know which flood zones have changed in recent FEMA map amendments. We know which construction types in Germantown and Collierville qualify for preferred pricing and which don't.
That knowledge translates directly into better outcomes for our clients — better coverage, better pricing, and better service when it matters most.
Flood Zone Expertise
We track FEMA flood map amendments across both counties and run property-level assessments on every home we quote. Wolf River, Nonconnah Creek, and DeSoto County tributaries all carry distinct risk profiles we understand in detail.
Carrier Appetite by Zip Code
Insurance carrier appetite varies by geography. We know which of our 10+ carriers are actively competing in each zip code across Shelby County TN and DeSoto County MS — and we route your quote accordingly.
Two-State Licensing
Many of our clients own property, live, or work on both sides of the state line. We are licensed in both Tennessee and Mississippi and can manage your entire coverage portfolio regardless of which state each risk is in.
New Madrid Seismic Zone
The Mid-South sits atop the New Madrid Seismic Zone. We discuss earthquake risk with every client and can quote earthquake insurance through our carrier network for Tennessee and Mississippi properties.
Serving Your Community Since 1992
If you live, own property, or operate a business in Shelby County TN or DeSoto County MS — we are your local independent insurance agency. Let us show you what independent representation looks like.