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Natural hazards · Clarksville

Clarksville, TN natural hazards

Most of the natural-hazard damage FEMA expects in Clarksville comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 188 claims here since 1978. 14 federal disasters brought FEMA money into town.

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

How exposed is Clarksville?

60
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clarksville to be higher than in 60% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding37%Earthquakes25%Cold waves16%Tornadoes12%Everything else11%
By hazard

What Clarksville faces

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

Inland flooding

37% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

25% of expected damage
Well above average · higher than 82% of U.S. places

Cold waves

16% of expected damage
Below average · higher than 43% of U.S. places
Recorded about once a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 85% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Clarksville flood?

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

188paid claims since 1978
$9.4Mpaid to owners
30homes flooded more than once
19782026

Biggest named events

  • Late spring storms: 77 claims, $5.4M
  • Mid-spring storms: 7 claims, $58K
  • Central U.S. April Flooding: 4 claims, $101K

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. Clarksville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared
1storm safe rooms built
Disasters that hit Clarksville

14 federal disasters brought FEMA money here

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

Brought FEMA money into ClarksvilleDeclared for Montgomery County only
2026

Severe Winter Storm

488 households applied for aid $522K aid approved $33K to the City of Clarksville for repairs
2025

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

236 households applied for aid $1.9M aid approved $39K to the City of Clarksville for repairs
2024

Severe Storms, Tornadoes, and Flooding

$1.0M to the City of Clarksville for repairs
2023

Severe Storms and Tornadoes

2,667 households applied for aid $3.0M aid approved $1.2M to the City of Clarksville for repairs
2023

Severe Storms, Straight-Line Winds, and Tornado

$457K to the City of Clarksville for repairs
2019

Severe Storm and Straight-Line Winds

$1.2M to the City of Clarksville for repairs
2011

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

42 households applied for aid $56K aid approved $617K to the City of Clarksville for repairs
2011

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

$529K to the City of Clarksville for repairs
2010

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

1,223 households applied for aid $1.7M aid approved $989K to the City of Clarksville for repairs
2009

Severe Winter Storm and Flooding

$185K to the City of Clarksville for repairs
2008

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

37 households applied for aid $2K aid approved
2003

Severe Storms, Tornadoes, and Flooding

83 households applied for aid $79K aid approved $260K to the City of Clarksville for repairs
2002

Severe Storms and Tornados

20 households applied for aid $3K aid approved
1999

Severe Storms, Tornadoes and High Winds

$1.6M to the City of Clarksville for repairs
Montgomery County has had 18 natural disasters declared since 1953, most often severe storms and winter storms.
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. Clarksville covers 33 census tracts, combined by population.
Money that reached townFlood claims are matched to Clarksville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clarksville. 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 Clarksville total about $56.2M 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.

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