Clarksville, Tennessee: natural disaster risk
How exposed Clarksville is to floods, storms and other hazards, from FEMA and NOAA records for Montgomery County.
Clarksville is a city of 176,456 people in Montgomery County, Tennessee. FEMA's National Risk Index rates Montgomery County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, earthquake and cold wave, with about $77.8 million in expected losses a year across the county. The weather service has logged 531 storm reports in the county since 1955, including 36 tornadoes and 74 floods. NOAA hurricane records show 0 hurricanes and 2 tropical storms passing within 65 miles of the county's center. About 0.4% of homes in the county carry federal flood insurance.
Risk figures are for Montgomery County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Clarksville
Full Montgomery County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $29M | |
| Earthquake | $18M | |
| Cold wave | $12M | |
| Tornado | $10M | |
| Heat wave | $2M | |
| Strong wind | $2M | |
| Hail | $2M | |
| Lightning | $1M | |
| Ice storm | $1M | |
| Drought | $102K | |
| Winter weather | $94K | |
| Hurricane | $36K |
Homes in Clarksville
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Montgomery County
Common questions about Clarksville
Is Clarksville safe from natural disasters?
Clarksville is in Montgomery County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, earthquake, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Clarksville?
By expected yearly losses in Montgomery County, the top hazards are inland flooding (Moderate), earthquake (Moderate), cold wave (High). Montgomery County has been part of 20 federal disaster or emergency declarations for natural events.
Does Clarksville get tornadoes?
Yes. NOAA records list 36 tornadoes in Montgomery County since 1950; the strongest was an F4 tornado on April 27, 1970. FEMA rates tornado risk in the county high.
Do I need flood insurance in Clarksville?
Standard home insurance does not cover floods. In Montgomery County, about 0.4% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.