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Natural hazards · Pegram

Pegram, TN natural hazards

Most of the natural-hazard damage FEMA expects in Pegram comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 39 claims here since 2000. 7 federal disasters brought FEMA money into town.

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

How exposed is Pegram?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pegram to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes14%Cold waves10%Earthquakes7%Everything else9%
By hazard

What Pegram faces

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

Inland flooding

62% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 34 years in the area

Cold waves

10% of expected damage
Below average · higher than 42% of U.S. places
Recorded about once a year in the area

Earthquakes

7% of expected damage
Well above average · higher than 76% 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 Pegram flood?

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

39paid claims since 2000
$1.9Mpaid to owners
1homes flooded more than once
20002026

Biggest named events

  • Late spring storms: 33 claims, $1.8M

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

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Pegram

7 federal disasters brought FEMA money here

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

Brought FEMA money into PegramDeclared for Cheatham County only
2026

Severe Winter Storm

48 households applied for aid $24K aid approved $25K to the Town of Pegram for repairs
2025

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

1 household applied for aid
2023

Severe Storms and Tornadoes

1 household applied for aid
2021

Severe Storms, Straight-Line Winds, and Tornadoes

14 households applied for aid $190 aid approved
2010

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

239 households applied for aid $1.1M aid approved $121K to the Town of Pegram for repairs
2006

Severe Storms and Tornadoes

1 household applied for aid $5K aid approved
2000

Severe Storms, Tornadoes, and Flooding

$6K to the Town of Pegram for repairs
Cheatham County has had 20 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Pegram

Pegram and the towns around it

Kingston Springs: High, mostly inland floodingNashville-Davidson metropolitan government: no dataLa Vergne: Low, mostly inland floodingMillersville: High, mostly inland floodingHendersonville: High, mostly inland floodingGoodlettsville: High, mostly inland floodingRural Hill: Moderate, mostly inland floodingBrentwood: Low, mostly inland floodingAshland City: Moderate, mostly inland floodingGreen Hill: Moderate, mostly inland floodingCoopertown: Moderate, mostly inland floodingMount Juliet: Low, mostly inland floodingRidgetop: Low, mostly inland floodingPegram: High, mostly inland flooding PegramKingston SpringsNashville-Davidson metropolitan government
Very lowLowModerateHighVery high
Pegrammostly inland floodingHigh
Kingston Springsmostly inland floodingHigh
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. Pegram is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Pegram’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pegram. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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