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Flood insurance cost · Williamson County, TN

Flood insurance cost in Williamson County, Tennessee

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,272 home policies in force on August 31, 2026.

Williamson County, TennesseePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,198a year

Half of insured homes paid between $798 and $1,553. That is 11% more than the Tennessee median ($1,084). Most insured homes here are rated in zone AE (54%).

$0$798 · $1,198 · $1,553$1,941
+12.8% vs Aug 31, 2025 (median $1,062)
1,272home policies in force
$1,366average cost (mean)
54%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: 3 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Williamson County.

Cost by flood zone in Williamson 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		$1,416$1,076–$1,899$1,700684 (54%)+9.5%
Zone X
Moderate to low risk		$956$621–$1,233$976588 (46%)+3.5%

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 Williamson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,226$1,200$1,378
2–4 unit building10$1,294$1,739
Condo or apartment unit36$632$829
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		108$2,105$3,230

Not shown (fewer than 10 policies): manufactured (mobile) home, whole residential building (5+ units or condo association).

1,382NFIP policies in force, any building
1,382insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Williamson 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 force1,3801,272−7.8%
Median annual cost$1,062$1,198+12.8%
Average annual cost$1,250$1,366+9.3%
All policies in force (any building)1,4971,382−7.7%

How many homes have flood insurance?

2.4%of all homes in Williamson County have an NFIP policy
86.3%of homes in high-risk zones (special flood hazard area) have one
53,519residential buildings counted by FEMA
796of 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 Williamson County, Tennessee have filed 1,105 flood claims. 938 received a payment, for a total of $31.1 million (an average of $33,193 per paid claim). The year with the most claims was 2010 (439 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 46 claims, 32 paid, $209,366 in total1980: 26 claims, 24 paid, $176,376 in total19801984: 24 claims, 16 paid, $76,135 in total1989: 11 claims1990: 19 claims, 17 paid, $421,547 in total19901993: 20 claims, 16 paid, $114,594 in total1994: 18 claims, 15 paid, $220,468 in total1995: 15 claims1997: 12 claims1998: 36 claims, 31 paid, $231,068 in total1999: 14 claims, 13 paid, $194,414 in total2000: 14 claims, 12 paid, $68,724 in total20002003: 60 claims, 53 paid, $617,672 in total20032004: 10 claims2010: 439 claims, 395 paid, $18,199,757 in total201020102011: 18 claims, 13 paid, $202,642 in total2013: 14 claims, 14 paid, $200,169 in total2017: 28 claims, 22 paid, $454,554 in total2019: 10 claims2020: 21 claims, 19 paid, $686,929 in total20202021: 200 claims, 182 paid, $8,377,234 in total2021
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2021200182$8,377,234$46,029
20202119$686,929$36,154
201910<10––
20172822$454,554$20,662
20131414$200,169$14,298
20111813$202,642$15,588
2010439395$18,199,757$46,075
200410<10––
20036053$617,672$11,654
20001412$68,724$5,727
19991413$194,414$14,955
19983631$231,068$7,454
199712<10––
199515<10––
19941815$220,468$14,698
19932016$114,594$7,162
19901917$421,547$24,797
198911<10––
19842416$76,135$4,758
19802624$176,376$7,349
19794632$209,366$6,543

From 2016 to 2026: 259 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 Williamson County

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

Main NFIP communities in the county

Franklin (432 home policies) · Unincorporated Williamson County (387 home policies) · Brentwood (310 home policies) · Spring Hill (66 home policies) · Nolensville (45 home policies) · Fairview (19 home policies)