Short answer: Davidson County's FEMA National Risk Index report ranks hazards for Nashville tracts. Tennessee does not operate a homeowners FAIR Plan—shop admitted markets and surplus lines after diligent effort.
This guide is general information for homeowners and drivers in the Nashville area (Davidson County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Davidson County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Davidson County
Use FEMA's National Risk Index and the Davidson County report.
Federal disaster declarations in Davidson County
FEMA's disaster declarations data shows 22 major disaster declarations that included Davidson County since 1974, led by severe storm events (13), tornado events (5) and winter storm events (2). The most recent: Severe Winter Storm, 2026, Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, 2025, Severe Storms and Tornadoes, 2023 and Severe Storms, Straight-Line Winds, and Tornado, 2023. FEMA also lists 4 emergency declarations for the county in the same data.
Flood insurance in Davidson County
Metro Water Services has taken part in the National Flood Insurance Program since 1982, so every eligible building in Davidson County can get federally backed flood insurance. MWS keeps up FEMA's Community Rating System requirements, and that continues a 10% discount on premiums for residents. Renters can buy flood coverage for their belongings too.
Flooding off the FEMA map
Metro Water Services' flood risk information page says all streams in Metro Nashville can flood and backwater flooding can be significant. People in or near a Special Flood Hazard Area face the highest risk, but you don't have to be in one to flood. Metro encourages every Davidson County resident to learn their flood risk. You can look up your property in the Metro ParcelViewer, and the page also links Davidson County flood risk information in Spanish.
No Tennessee FAIR Plan
Tennessee does not maintain a state FAIR Plan for homeowners. If admitted insurers decline you, a licensed surplus-lines broker may shop non-admitted markets after meeting Tennessee's declination requirements (TDCI surplus-lines declination). Contact the Department of Commerce and Insurance for consumer help.
Property maintenance
Metro Nashville codes address overgrown vegetation and vacant-property hazards.
More for Nashville policyholders
Metro Nashville's floodplain and stormwater programs administer development in mapped flood hazard areas alongside FEMA maps—pull your parcel on the MSC before renovations. Codes Department enforcement also targets overgrown vacant lots that create blight or fire risk; clear vegetation and debris before underwriting inspections, especially after severe-weather seasons that leave damaged roofs and tarps in place.
Auto: Tennessee 25/50/25
Tennessee requires liability insurance to register and drive. Minimum limits are commonly stated as $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage—confirm current figures with TDCI / Department of Safety materials when you buy.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Tennessee.
Frequently asked questions
Which NRI county covers Nashville?
Davidson County (47037) on FEMA's National Risk Index viewer.
What auto liability does Tennessee require?
At least 25/50/25 as commonly published—confirm with current TDCI/Safety materials.
Does a Nashville homeowners policy cover flood?
No; flood needs a separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.