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Flood insurance cost · Davidson County, TN

Flood insurance cost in Davidson County, Tennessee

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,657 home policies in force on August 31, 2026.

Davidson County, TennesseePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,184a year

Half of insured homes paid between $821 and $1,492. That is 9% more than the Tennessee median ($1,084). Most insured homes here are rated in zone AE (51%).

$0$821 · $1,184 · $1,492$1,865
+13.6% vs Aug 31, 2025 (median $1,042)
3,657home policies in force
$1,361average cost (mean)
51%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: 4 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Davidson County.

Cost by flood zone in Davidson County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,384$1,036–$2,160$1,7191,868 (51%)+12.7%
Zone X
Moderate to low risk		$1,016$670–$1,253$9861,786 (49%)+9.7%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Davidson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,249$1,201$1,388
2–4 unit building95$1,382$1,830
Condo or apartment unit310$905$933
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		134$1,734$3,749
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		505$3,419$4,776

Not shown (fewer than 10 policies): manufactured (mobile) home.

4,296NFIP policies in force, any building
4,707insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Davidson County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force3,9093,657−6.4%
Median annual cost$1,042$1,184+13.6%
Average annual cost$1,241$1,361+9.7%
All policies in force (any building)4,5904,296−6.4%

How many homes have flood insurance?

1.7%of all homes in Davidson County have an NFIP policy
56.8%of homes in high-risk zones (special flood hazard area) have one
222,214residential buildings counted by FEMA
3,405of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Davidson County, Tennessee have filed 4,799 flood claims. 3,999 received a payment, for a total of $186.4 million (an average of $46,622 per paid claim). The year with the most claims was 2010 (2,315 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 40 claims, 28 paid, $62,323 in total1979: 184 claims, 144 paid, $689,326 in total1980: 24 claims, 15 paid, $47,077 in total19801983: 33 claims, 20 paid, $51,420 in total1984: 103 claims, 65 paid, $668,479 in total1986: 26 claims, 12 paid, $55,361 in total1989: 105 claims, 64 paid, $380,909 in total1990: 10 claims19901991: 15 claims, 11 paid, $32,078 in total1992: 15 claims, 13 paid, $74,019 in total1993: 38 claims, 26 paid, $270,899 in total1994: 84 claims, 62 paid, $522,448 in total1995: 46 claims, 35 paid, $304,703 in total1996: 11 claims1997: 22 claims, 17 paid, $306,240 in total1998: 131 claims, 113 paid, $1,238,886 in total1999: 10 claims2000: 26 claims, 18 paid, $389,133 in total20002002: 42 claims, 29 paid, $363,904 in total2003: 82 claims, 69 paid, $1,003,016 in total2004: 33 claims, 28 paid, $319,835 in total2009: 72 claims, 55 paid, $679,633 in total2010: 2,315 claims, 2,115 paid, $136,717,485 in total201020102011: 15 claims2012: 26 claims, 16 paid, $91,504 in total2013: 195 claims, 162 paid, $5,241,025 in total2015: 10 claims2016: 22 claims, 16 paid, $213,658 in total2017: 214 claims, 174 paid, $5,780,743 in total20172018: 20 claims, 11 paid, $111,180 in total2019: 100 claims, 83 paid, $2,343,799 in total2020: 17 claims, 15 paid, $264,911 in total20202021: 493 claims, 426 paid, $23,178,879 in total20212022: 10 claims2024: 16 claims2025: 113 claims, 86 paid, $4,252,656 in total2026: 16 claims, 11 paid, $160,180 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261611$160,180$14,562
202511386$4,252,656$49,449
202416<10––
202210<10––
2021493426$23,178,879$54,411
20201715$264,911$17,661
201910083$2,343,799$28,239
20182011$111,180$10,107
2017214174$5,780,743$33,223
20162216$213,658$13,354
201510<10––
2013195162$5,241,025$32,352
20122616$91,504$5,719
201115<10––
20102,3152,115$136,717,485$64,642
20097255$679,633$12,357
20043328$319,835$11,423
20038269$1,003,016$14,536
20024229$363,904$12,548
20002618$389,133$21,618
199910<10––
1998131113$1,238,886$10,964
19972217$306,240$18,014
199611<10––
19954635$304,703$8,706
19948462$522,448$8,427
19933826$270,899$10,419
19921513$74,019$5,694
19911511$32,078$2,916
199010<10––
198910564$380,909$5,952
19862612$55,361$4,613
198410365$668,479$10,284
19833320$51,420$2,571
19802415$47,077$3,138
1979184144$689,326$4,787
19784028$62,323$2,226

From 2016 to 2026: 1,021 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Davidson County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Metro Government of Nashville-Davidson County (3,428 home policies) · Forest Hills (76 home policies) · Belle Meade (57 home policies) · Goodlettsville (55 home policies) · Oak Hill (39 home policies)