Water Risk Profile — ZIP 37045
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$2,000–$11,000
Avg Response
44 min
NFIP
State participates
Local Climate & Risk Factors
Clarksville sits at the confluence of the Cumberland and Red Rivers in Montgomery County — one of Tennessee's most flood-prone river systems. The Cumberland River has flooded Clarksville multiple times, and the 2010 Nashville flood event also affected communities throughout the Cumberland basin. Fort Campbell (adjacent in Kentucky) drives massive housing demand in Clarksville. Military family housing — both on-post and the extensive rental market surrounding Fort Campbell — creates maintenance-deferred conditions. Red River and Muddy Fork flooding affects lower-elevation neighborhoods regularly during spring rain events.
Flood-prone areas: Downtown Clarksville and Ringgold near the Cumberland have highest flood risk. St. Bethlehem and Sango are higher-elevation suburbs with newer construction. Heritage Landing has river-adjacent premium housing.
Water Category Cost Table — Clarksville, TN
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $3.4–$8.55 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $8.55–$10.35 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $12.15–$15.4 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Clarksville market (4–14/sq ft range).