Natural hazards · Belle Meade

Belle Meade, TN natural hazards

Most of the natural-hazard damage FEMA expects in Belle Meade comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 19 claims here since 2004. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Belle Meade?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belle Meade to be higher than in 68% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding73%Earthquakes17%Tornadoes6%Everything else4%

By hazard

What Belle Meade faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

73% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

6% of expected damage

Above average · higher than 66% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Belle Meade flood?

Every paid claim on a federal flood insurance policy in Belle Meade, from FEMA’s records.

19paid claims since 2004

$1.5Mpaid to owners

3homes flooded more than once

20042026

Biggest named events

Late spring storms: 9 claims, $995K
Central U.S. April Flooding: 4 claims, $293K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Belle Meade isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Davidson County.

Disasters that hit Belle Meade

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Belle Meade itself: aid to households, or repair grants to the City of Belle Meade.

Brought FEMA money into Belle MeadeDeclared for Davidson County only

2026

Severe Winter Storm

$842K to the City of Belle Meade for repairs

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$8K to the City of Belle Meade for repairs

2010

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

$309K to the City of Belle Meade for repairs

1999

Severe Storms, Tornadoes and Flooding

$10K to the City of Belle Meade for repairs

Davidson County has had 23 natural disasters declared since 1953, most often severe storms and tornadoes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Belle Meade covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Belle Meade’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Belle Meade. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Belle Meade total about $4.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.