Chandler Stone Wall · Photo: Ichabod · CC BY-SA 3.0On FEMA’s figures, Mount Juliet faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Mount Juliet gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #74 of 177 in Tennessee. Most of that expected damage is river and rain flooding (70%), then tornadoes (12%). Flood insurance has paid 96 claims here since 1978.
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
What Mount Juliet 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
Tornadoes
Earthquakes
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.
What’s behind Mount Juliet’s grade
River and rain flooding is 70% of the building damage FEMA expects in Mount Juliet, and Mount Juliet’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Next is tornadoes at 12% (higher than 84% of U.S. census tracts).
B− #74 of 177 in Tennessee; lower expected damage per building than 52% of U.S. towns (21,298).
Mount Juliet’s residents live in 11 census tracts; FEMA’s figures are combined by where they live.
The typical Tennessee town has higher expected damage than 53% of U.S. towns; within the state, Mount Juliet has less expected damage per building than 59% of Tennessee towns.
In dollars, FEMA expects about $13.8M a year in losses across Mount Juliet: $9.1M to buildings, the rest to people and crops.
Does Mount Juliet flood? Sometimes: 96 flood claims since 1978
Every paid claim on a federal flood insurance policy in Mount Juliet, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- The Late spring storms18 claims · $1.1M
- The Heavy rains1 claim · $488
- The Mid-spring storms1 claim · $491
Mount Juliet isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wilson County.7 federal disasters brought FEMA money to Mount Juliet
Disasters that paid out in Mount Juliet itself (aid to households or repair grants to the City of Mount Juliet), newest first, with that year’s flood claims.
- 2026Severe Winter Storm61 households applied for aid$42K aid approved$257K to the City of Mount Juliet for repairs
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding8 households applied for aid$24K aid approved
- 2021Severe Storms, Straight-line Winds, and Tornadoes53 households applied for aid$12K aid approved
- 2021Severe Storms, Tornadoes, and Flooding52 households applied for aid$107K aid approved$55K to the City of Mount Juliet for repairs
- 2020Severe Storms, Tornadoes, Straight-line Winds, and Flooding400 households applied for aid$156K aid approved$1.7M to the City of Mount Juliet for repairs1 flood claim paid that year
- 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes434 households applied for aid$1.0M aid approved$63K to the City of Mount Juliet for repairs27 flood claims paid that year
Show all 7
- 2003Severe Storms, Tornadoes, and Flooding10 households applied for aid$4K aid approved4 flood claims paid that year
Wilson County has had 12 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.
Old photos of Mount Juliet after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Juliet archive →Mount Juliet and its neighbors
Mount Juliet has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mount Juliet | B−less damage than 52% | river and rain flooding | 96 |
| Green Hill | C+more damage than 57% | river and rain flooding | 4 |
| Lebanon | C+more damage than 59% | river and rain flooding | 147 |
| Nashville | C+more damage than 60% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Mount Juliet faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Mount Juliet
Is Mount Juliet at risk for natural disasters?
On FEMA’s National Risk Index, Mount Juliet has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #74 of 177 in Tennessee. Most of the expected damage is river and rain flooding (70%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Juliet flood?
Flood insurance has paid 96 claims in Mount Juliet since 1978, $3.6M in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 16 properties have flooded more than once. The most claims came from Late spring storms (18).
Is Mount Juliet 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 Wilson County, 36% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Mount Juliet?
FEMA’s Community Rating System list shows no discount for Mount Juliet’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 Mount Juliet?
By FEMA money that reached Mount Juliet, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2020): 400 households applied for aid, $156K approved, and $1.7M to the City of Mount Juliet for repairs. By flood claims, Late spring storms: 18 paid, $1.1M.
Is Mount Juliet at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Mount Juliet’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Juliet.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Juliet’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.