Homestead Manor · Photo: rossograph · CC BY-SA 4.0FEMA puts Thompson's Station’s expected hazard damage per building below that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Thompson's Station gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #48 of 177 in Tennessee. Most of that expected damage is river and rain flooding (74%), then tornadoes (14%). FEMA’s files show no paid flood insurance claims here.
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 Thompson's Station 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 Thompson's Station’s grade
River and rain flooding is 74% of the building damage FEMA expects in Thompson's Station, and Thompson's Station’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is tornadoes at 14% (higher than 84% of U.S. census tracts).
B #48 of 177 in Tennessee; lower expected damage per building than 65% of U.S. towns (21,298).
Thompson's Station’s residents live in 6 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, Thompson's Station has less expected damage per building than 73% of Tennessee towns.
In dollars, FEMA expects about $2.0M a year in losses across Thompson's Station: $1.2M to buildings, the rest to people and crops.
Does Thompson's Station flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Thompson's Station. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Thompson's Station isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Williamson County.4 federal disasters brought FEMA money to Thompson's Station
Disasters that paid out in Thompson's Station itself (aid to households or repair grants to the Town of Thompson's Station), newest first, with that year’s flood claims.
- 2026Severe Winter Storm6 households applied for aid$1K aid approved
- 2021Severe Storms, Tornadoes, and Flooding9 households applied for aid$12K aid approved
- 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes92 households applied for aid$219K aid approved
- 2003Severe Storms, Tornadoes, and Flooding7 households applied for aid$3K aid approved
Williamson 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 Thompson's Station after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Thompson's Station archive →Thompson's Station and its neighbors
Thompson's Station has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Thompson's Station | Bless damage than 65% | river and rain flooding | 0 |
| Franklin | B−less damage than 52% | river and rain flooding | 243 |
| Spring Hill | C+more damage than 58% | river and rain flooding | 10 |
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 Thompson's Station 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 Thompson's Station
Is Thompson's Station at risk for natural disasters?
On FEMA’s National Risk Index, Thompson's Station has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #48 of 177 in Tennessee. Most of the expected damage is river and rain flooding (74%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Thompson's Station 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 Williamson County, 86% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Thompson's Station?
FEMA’s Community Rating System list shows no discount for Thompson's Station’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 Thompson's Station?
By FEMA money that reached Thompson's Station, Severe Storms, Flooding, Straight-line Winds, and Tornadoes (2010): 92 households applied for aid, $219K approved.
Is Thompson's Station at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Thompson's Station’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Thompson's Station.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Thompson's Station’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.