Flood insurance in Davidson County, Tennessee
How many buildings are insured against floods, what policies cost, and how much FEMA's flood insurance program has paid out, from official NFIP records.
Flood claims paid per year
NFIP claims paid in Davidson County, 2000–2026
The three costliest years. The worst was 2010, with $136.7 million paid on 2,315 claims.
Insured buildings by flood zone
Zone not reported for 37% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in Davidson County
| Event | Year | Claims | Paid |
|---|---|---|---|
| Late spring storms | 2010 | 2,281 | $136.2 million |
| Central U.S. April Flooding | 2025 | 106 | $4.2 million |
| Heavy rains | 2003 | 52 | $747 thousand |
| Flooding | 1997 | 13 | $26 thousand |
| Hurricane Ida | 2021 | 5 | $17 thousand |
Flood insurance by ZIP code
ZIP codes in Davidson County with at least 50 policies
| ZIP | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| 37221 | 592 | $965 | 200 | $13.1 million |
| 37205 | 503 | $1,733 | 247 | $7.8 million |
| 37215 | 425 | $1,181 | 408 | $7.2 million |
| 37214 | 392 | $1,380 | 366 | $14.5 million |
| 37211 | 338 | $1,608 | 682 | $22.2 million |
| 37209 | 271 | $1,473 | 255 | $11.1 million |
| 37207 | 262 | $1,369 | 335 | $15.0 million |
| 37138 | 244 | $815 | 271 | $12.4 million |
| 37204 | 232 | $2,125 | 403 | $10.7 million |
| 37201 | 197 | $4,505 | 7 | $806 thousand |
| 37013 | 193 | $1,210 | 208 | $5.4 million |
| 37072 | 181 | $1,696 | 178 | $2.6 million |
| 37115 | 173 | $1,641 | 239 | $10.4 million |
| 37216 | 138 | $1,318 | 151 | $7.4 million |
| 37076 | 133 | $969 | 111 | $2.5 million |
Common questions
How much does flood insurance cost in Davidson County?
The average NFIP flood insurance policy in Davidson County costs about $1,446 a year. The Tennessee average is $1,308. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in Davidson County?
There are about 4,820 National Flood Insurance Program policies in force in Davidson County, according to FEMA's latest policy data. Private flood policies are not included.
How often does Davidson County flood?
Since 1978, NFIP policyholders in Davidson County have filed 4,787 flood claims, with $186.4 million paid out. 998 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.