Tennessee Home InsuranceFlood insurance discounts in Tennessee
Flood discounts in Tennessee
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 402 Tennessee communities in the National Flood Insurance Program, 20 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Knoxville | 6 | 20% |
| Williamson County | 7 | 15% |
| Metro Government of Nashville-Davidson County | 8 | 10% |
| Bristol | 8 | 10% |
| Franklin | 8 | 10% |
Source: FEMA NFIP Community Status Book.
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