Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Very High
Cost Range
$1,800–$11,000
Avg Response
44 min
NFIP
State participates
The May 2010 Nashville Flood — a 1-in-1000-year event — dropped 13.57 inches in 36 hours causing $2.4B in damage and killing 31 people; Cumberland River and its tributaries (Mill Creek, Whites Creek) are chronic flooding sources; rapid growth has created extensive impervious surface; humid subtropical climate means rainfall year-round with severe thunderstorm season March–November
Flood-prone areas: Nations area near Centennial Sportsplex, Bordeaux, and communities along Mill Creek corridor are highest-risk for Cumberland River flooding events
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.98–$8.31 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $8.31–$10.06 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $11.81–$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 Nashville market (3.5–14/sq ft range).
