Risk Index · Davidson County · 2026-06-13
Nashville, TN real-estate risk
- Risk score
- 97.2/100
- Relatively High
- Expected annual loss
- $262M
- all hazards, county-wide
- Buildings-only loss
- $202M
- what owners and insurers carry
- Population
- 715K
- Davidson County
Nashville, TN (Davidson County) carries a FEMA National Risk Index score of 97.2/100, rated "Relatively High" and driven mainly by earthquake and riverine flood, with roughly $262M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake98.2
- Riverine flood98.2
- Tornado97.9
- Strong wind97.1
- Heat wave95.4
- Hail87.8
- Wildfire57.5
- Hurricane53.7
- Drought26.6
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Nashville risk questions
Is Nashville, TN a high-risk area for real estate?
Nashville scores 97.2/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $262M per year.
What is the biggest natural hazard in Nashville?
The highest-rated hazard is earthquake (98.2/100), followed by riverine flood (98.2/100).
How does hazard risk affect property insurance in Nashville?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.