Gallatin, Tennessee: natural disaster risk
How exposed Gallatin is to floods, storms and other hazards, from FEMA and NOAA records for Sumner County.
Gallatin is a city of 48,532 people in Sumner County, Tennessee. FEMA's National Risk Index rates Sumner County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $86.7 million in expected losses a year across the county. The weather service has logged 748 storm reports in the county since 1955, including 45 tornadoes and 85 floods. NOAA hurricane records show 0 hurricanes and 3 tropical storms passing within 65 miles of the county's center. About 0.9% of homes in the county carry federal flood insurance.
Risk figures are for Sumner County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Gallatin
Full Sumner 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.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- 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 | $42M | |
| Tornado | $16M | |
| Cold wave | $11M | |
| Earthquake | $9M | |
| Strong wind | $3M | |
| Hail | $2M | |
| Heat wave | $1M | |
| Lightning | $1M | |
| Ice storm | $924K | |
| Winter weather | $456K | |
| Drought | $97K | |
| Wildfire | $28K |
Homes in Gallatin
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 Sumner County
More cities in Sumner County
Other cities in Tennessee
All ›Common questions about Gallatin
Is Gallatin safe from natural disasters?
Gallatin is in Sumner County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, 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 Gallatin?
By expected yearly losses in Sumner County, the top hazards are inland flooding (Moderate), tornado (High), cold wave (High). Sumner County has been part of 20 federal disaster or emergency declarations for natural events.
Does Gallatin get tornadoes?
Yes. NOAA records list 45 tornadoes in Sumner 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 Gallatin?
Standard home insurance does not cover floods. In Sumner County, about 0.9% 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.