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Natural hazards · Gallatin

Gallatin, TN natural hazards

Most of the natural-hazard damage FEMA expects in Gallatin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 96 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Gallatin?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gallatin to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes20%Earthquakes16%Cold waves12%Everything else11%
By hazard

What Gallatin faces

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

Inland flooding

41% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

20% of expected damage
Well above average · higher than 83% of U.S. places

Earthquakes

16% of expected damage
Well above average · higher than 80% of U.S. places

Cold waves

12% of expected damage
Below average · higher than 44% of U.S. places
Recorded about once a year in the area

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 Gallatin flood?

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

96paid claims since 1978
$3.5Mpaid to owners
13homes flooded more than once
19782026

Biggest named events

  • Late spring storms: 57 claims, $2.4M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Gallatin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sumner County.

What’s been done with FEMA grants

23flood-prone properties bought out and cleared
Disasters that hit Gallatin

10 federal disasters brought FEMA money here

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

Brought FEMA money into GallatinDeclared for Sumner County only
2026

Severe Winter Storm

259 households applied for aid $396K aid approved $628K to the City of Gallatin for repairs
2024

Severe Storms, Tornadoes, and Flooding

$154K to the City of Gallatin for repairs
2023

Severe Storms and Tornadoes

201 households applied for aid $105K aid approved $177K to the City of Gallatin for repairs
2021

Severe Storms, Straight-Line Winds, and Tornadoes

29 households applied for aid $4K aid approved
2011

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

$124K to the City of Gallatin for repairs
2010

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

703 households applied for aid $1.8M aid approved $184K to the City of Gallatin for repairs
2008

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

20 households applied for aid $12K aid approved
2006

Severe Storms and Tornadoes

291 households applied for aid $122K aid approved $644K to the City of Gallatin for repairs
2003

Severe Storms, Tornadoes, and Flooding

28 households applied for aid $9K aid approved $96K to the City of Gallatin for repairs
1999

Severe Storms, Tornadoes and Flooding

$10K to the City of Gallatin for repairs
Sumner County has had 19 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Gallatin

Gallatin and the towns around it

Hendersonville: High, mostly inland floodingNashville-Davidson metropolitan government: no dataShackle Island: High, mostly inland floodingGoodlettsville: High, mostly inland floodingGallatin: Moderate, mostly inland flooding GallatinHendersonville
Very lowLowModerateHighVery high
Hendersonvillemostly inland floodingHigh
Gallatinmostly inland floodingModerate
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. Gallatin covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Gallatin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gallatin. 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 Gallatin total about $15.2M 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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