Water Damage Restoration in Nashville, TN
Nashville by the numbers: 123 flood report days from 2016 to 2025, 76 freezing nights a year, 18 federal disaster declarations since 2016. Below: first steps, the records, Tennessee insurance help and costs.
Updated October 31, 2026
First Steps for Water in a Home in Nashville
- Burst pipe: shut the main water valve, then open the lowest faucet to drain the lines (burst pipe steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
Nashville Flood Record
NOAA has 434 flood and flash flood reports for the 14 counties of the Nashville metro area from 2016 to 2025, on 123 separate days; July had the most.
At the Berry Hill 1.6 WNW gauge, May is the wettest month with 5.7 inches on average.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 1 | 4.3 |
| February | 17 | 5.2 |
| March | 9 | 4.9 |
| April | 10 | 5.4 |
| May | 13 | 5.7 |
| June | 18 | 4.4 |
| July | 19 | 4.6 |
| August | 13 | 3.9 |
| September | 10 | 3.9 |
| October | 4 | 3.7 |
| November | 4 | 3.9 |
| December | 5 | 4.9 |
| County | Flood report days | Reports |
|---|---|---|
| Davidson County | 48 | 76 |
| Wilson County | 31 | 40 |
| Sumner County | 29 | 41 |
| Williamson County | 28 | 48 |
| Maury County | 26 | 45 |
| Rutherford County | 25 | 31 |
| Cheatham County | 19 | 26 |
| Robertson County | 19 | 26 |
| Dickson County | 15 | 31 |
| Hickman County | 13 | 25 |
Freezing Nights in Nashville
Nashville averages 76 nights a year at or below 32°F (Shelby Bottoms Nature station). About 18 of them drop to 20°F or colder. NOAA counted 22 winter storm, ice or extreme cold days in the 14 counties of the Nashville metro area from 2016 to 2025.
Unheated crawl spaces, attics and garages freeze first (Red Cross); keep the heat at 55°F or more (IBHS).
Storms and Disasters in Nashville
The 14 counties of the Nashville metro area were named in 18 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- May 20, 2025: Hail, 3 inch hail (Williamson County)Estimated 3-inch hail was reported on Keystone Drive south of Franklin.
- April 5, 2025: Thunderstorm wind, 90 mph gust (Cheatham County)Severe thunderstorm winds damaged fifteen homes in the Kingston Springs area, including on Kingston Springs Road, Highway 70, Copper Steel Road, and Pine Valley Road. Five of these fifteen homes had trees fall on them.
- March 27, 2021: Flash flood (Davidson County)Major and historic flash flooding affected southern and eastern Davidson County, with the worst flooding affecting areas along and near Sevenmile Creek and Mill Creek in south Nashville.
- March 3, 2020: Tornado, EF3 (Davidson County)An historic, long-track, strong EF-3 tornado began in western Davidson County then tracked eastward for over 60 miles through Wilson County into Smith County before lifting, causing 5 deaths and 220 injuries.
- July 7, 2016: Flash flood (Sumner County)Major flash flooding affected much of Sumner County, especially in and near Cottontown, Bethpage, Hendersonville, Gallatin, and Castalian Springs, with numerous homes, businesses, vehicles and roads damaged by flooding.
Federal disaster declarations
- February 6, 2026: Severe Winter StormWinter Storm, FEMA DR-4898
- January 24, 2026: Severe Winter StormWinter Storm, FEMA EM-3635
- June 19, 2025: Severe Storms, Straight-Line Winds, Tornadoes, And FloodingSevere Storm, FEMA DR-4878
- April 2, 2025: Severe Storms, Straight-Line Winds, Tornadoes, And FloodingSevere Storm, FEMA EM-3625
- June 17, 2024: Severe Storms, Tornadoes, And FloodingSevere Storm, FEMA DR-4792
- December 13, 2023: Severe Storms And TornadoesSevere Storm, FEMA DR-4751
- May 17, 2023: Severe Storms, Straight-Line Winds, And TornadoSevere Storm, FEMA DR-4712
- April 7, 2023: Severe Storms, Straight-Line Winds, And TornadoesSevere Storm, FEMA DR-4701
Nashville Housing at a Glance
Census figures for the city of Nashville (American Community Survey, 2020 to 2024): 344,794 housing units, a median build year of 1987, 41% built before 1980, 28% before 1970, 52% owner occupied.
Tennessee Insurance Help for Water Claims
Claim problems in Tennessee go to the Tennessee Department of Commerce and Insurance.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Nashville flood zones on FEMA's flood maps.
Restoration Cost Guide for Nashville
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
Areas Served Around Nashville
The same 24/7 line covers the Nashville metro area, including:
- Nashville
- Murfreesboro
- Franklin
- Hendersonville
- Smyrna
- Spring Hill
- Gallatin
- Lebanon
- Columbia
- Brentwood
- Mount Juliet
- La Vergne
Other Tennessee city guides
Questions
When is the first freeze in Nashville?
The median first night at or below 32°F is October 31 and the median last is April 1 at the Shelby Bottoms Nature station (NOAA normals, 1991 to 2020).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, EPA mold guide.