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B−Hazard risk
Natural hazards in Berry Hill · FEMA

FEMA expects about as much hazard damage per building in Berry Hill as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Berry Hill gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then earthquakes (30%). Flood insurance has paid 10 claims here since 2010.

River and rain flooding 61%Earthquakes 30%Tornadoes 7%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 50%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Tennessee · lower than 50% of U.S. towns
Main hazard
River and rain flooding
61% of expected building damage
Flood claims
10
paid since 2010 · $611K
Flooded more than once
5
properties · 1 “severe repetitive loss”
Flood claims per home
6 per 1,000
more than 65% of U.S. towns
By hazard

What Berry Hill faces

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

River and rain flooding

61%of expected building damage
About average · higher than 54% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

30%of expected building damage
Well above average · higher than 82% of U.S. census tracts

Tornadoes

7%of expected building damage
Above average · higher than 66% of U.S. census tracts
Smaller shares here
 Strong wind Hail Ice storms Hurricanes Lightning Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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

What’s behind Berry Hill’s grade

River and rain flooding is 61% of the building damage FEMA expects in Berry Hill, and Berry Hill’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Next is earthquakes at 30% (higher than 82% of U.S. census tracts).

Where Berry Hill sits
Berry Hill
Least damageMiddleMost damage

B− lower expected damage per building than 50% of U.S. towns (21,298).

Berry Hill’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding61%Earthquakes30%Tornadoes7%Everything else2%

In dollars, FEMA expects about $977K a year in losses across Berry Hill: $723K to buildings, the rest to people and crops.

A small-area figure. Berry Hill covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Berry Hill flood? Sometimes: 10 flood claims since 2010

Every paid claim on a federal flood insurance policy in Berry Hill, from FEMA’s records: 6.2 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2010: 1 claim2011: 0 claims2012: 0 claims2013: 1 claim2014: 0 claims2015: 0 claims2016: 0 claims2017: 2 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 4 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 2 claims2026: 0 claims201720212025
20102026
Biggest named events
  • The Central U.S. April Flooding2 claims · $70K
  • The Late spring storms1 claim · $7K
10
paid claims since 2010
$611K
paid to owners
5
homes flooded more than once
$61K
average claim
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

Berry Hill 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

The storms Berry Hill remembers

None of the 22 disasters declared for Davidson County shows FEMA aid or repair money reaching Berry Hill itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20214 flood claims paidThe year of Severe Storms, Straight-line Winds, and Tornadoes, declared for Davidson County
  2. 20172 flood claims paidNo declaration for the county that year
  3. 20252 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Davidson County
Disasters declared, by decade
Paid out in Berry HillDavidson County only

Davidson County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Berry Hill after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Berry Hill archive →
Be ready

Get ready for what Berry Hill faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Berry Hill

Is Berry Hill at risk for natural disasters?

On FEMA’s National Risk Index, Berry Hill has lower expected damage per building than 50% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (61%) and earthquakes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Berry Hill flood?

Flood insurance has paid 10 claims in Berry Hill since 2010, $611K in all, or 6.2 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Central U.S. April Flooding (2).

Is Berry Hill in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Davidson County, 57% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.

How much is flood insurance in Berry Hill?

FEMA’s Community Rating System list shows no discount for Berry Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Berry Hill?

By flood claims, Central U.S. April Flooding: 2 paid, $70K.

Is Berry Hill at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (61%), and Berry Hill’s rate for it is higher than 54% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Berry Hill.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Berry Hill’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.